What are USDA loan well water testing requirements?

When working in rural communities, private wells can be common and knowing the USDA loan well water testing requirements is an important step in the process.

Today’s video tip will keep you in the know, because as I always say “Don’t be scare, be aware!”

Also, if you need help or a have question that is what we are here for, so just call or email to discuss your scenario because we are known for returning calls, replying to emails, and responding to your messages.  Now, wouldn’t it be nice if everyone did that!

What are USDA loan well water testing requirements?

USDA loan well water testing requirements for individual water systems that are owned and maintained by the homeowner, must meet the requirements of the local and/or State Health Authority codes.

Additionally, USDA loan well water testing guidelines require the following:

• The water quality of the well must meet the requirements of the state or local authority. If the state or local authority does not have specific requirements, the maximum contaminant levels established by the Environmental Protection Agency (EPA) will apply.
• The local health authority or a state certified laboratory must perform a water quality analysis, because The Safe Water Drinking Act does not apply to private wells. – The water analysis report must be no greater than 120 days old at loan closing and in the case of any recent environmental impacts a new report may be required.

• The well location for individual water supply systems must be measured to establish the distance from the septic system. Distances must meet approach of the local and/or State Health Authority codes or SF Handbook (HUD Handbook 4000.1.)
• Individual water systems/wells should be located on the subject property site. If located on an adjacent property, evidence of water rights and recorded maintenance agreement must be retained in the lender’s permanent loan file as acceptance of the well as the primary source of water.
• Properties served by cisterns are not acceptable.

Above all, if you have any specific questions about USDA loan well water testing requirements, please call my team so we can review and advise.