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Part 3 – USDA Property Eligibility: USDA loan requirements for the minimum distance between a private well and septic

February 9th, 2024 by Sean Stephens

USDA Property Eligibility: What are the USDA loan requirements for the minimum distance between a private well and septic in Florida, Texas, Tennessee, and Alabama?USDA Property Eligibility: What are the USDA  loan requirements for the minimum distance between a private well and septic in Florida, Texas, Tennessee, and Alabama?

Last week, we discussed USDA loan testing requirements for a private well.

However, when dealing with rural areas, it is critical to also understand the USDA loan requirements for the minimum distance between a private well and septic in Florida, Texas, Tennessee, and Alabama. 

In today’s video, I will break down the USDA loan well and septic distance requirements and explain minimum property eligibility for USDA Rural Home Loans.

However, don’t forget to download our USDA Blueprint for Success. This FREE guide is designed to help walk you through the USDA process step-by-step, and is great for both Realtors and homebuyers alike!

What are USDA well and septic distance requirements in Florida, Texas, Tennessee, and Alabama?

USDA Property Eligibility: What are the USDA  loan requirements for the minimum distance between a private well and septic in Florida, Texas, Tennessee, and Alabama?

As an approved lender under the USDA Single Family Housing Guaranteed Loan Program,

USDA minimum property requirements for well and septic distance measurements follow HUD Handbook 4000.1 guidelines.

HUD Handbook 4000.1 minimum distance requirements between wells and sources of pollution for Existing Construction* are as follows: 

  • A well must be a minimum of 10 feet from the property line.
  • A well must be a minimum of 50 feet from septic tank.
  • A well must be a minimum of 100 feet from the drain field.
    • However, this distance may be reduced to 75 feet if allowed by the local authority.
  • If the property is adjacent to a residential property then local well distance requirements prevail.USDA Property Eligibility: What are the USDA  loan requirements for the minimum distance between a private well and septic in Florida, Texas, Tennessee, and Alabama?
  • If the property is adjacent to non-residential property or roadway, then there needs to be a well separation distance of at least 10 feet from the property line.
  • The distance requirements of the local authority will prevail if greater than what is stated in the HUD Handbook.

*Remember that this guidance is for existing properties only and different requirement will apply to new construction.

Preparing for USDA Well and Septic Distance Requirements

Sebring Florida and Highlands County USDA loansGenerally, USDA loan requirements for the minimum distance between a private well and septic do not customarily come under review until after the sales contract is received.  With that being said, it is critical to let us know of any upfront concerns so we can provide timely advice to help keep the transaction moving to the closing table.

Remember, do not let USDA loan well and septic distance requirements overwhelm you… because we are here to help! While these properties may involve extra steps, our expertise is here to maximize the USDA loan program!

If you are looking for a USDA loan in Florida, Texas, Tennessee, or Alabama, just call, text, or email if you have any qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions.

Toll Free: 800-806-9836 Ext. 280
Call/Text: 863-593-2001
SeanS@MPLX.org

I want everyone to make it a great day, and look forward to seeing you right here for the next tip of the week!

P.S. – You can download our “USDA Blueprint for Success” by CLICKING HERE.

 

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