If you’re purchasing a home with a private well, it’s important to understand that the water should be tested before closing. While many wells provide clean, safe drinking water, a water test helps identify potential issues that aren’t visible to the naked eye.
What Does a Well Water Test Check For?
Depending on your lender and local requirements, a well water test may include:
- Total coliform bacteria
- E. coli bacteria
- Nitrates and nitrites
- Lead (when applicable)
- Other contaminants based on local health department recommendations
These tests help ensure the water is safe for everyday use.
Which Loan Programs Require Well Water Testing?
Requirements vary depending on the type of mortgage you’re obtaining. For VA and USDA loans, a water test is generally required when the property is served by a private well. FHA loans may require a water test if the appraiser identifies a concern or if it’s required by local guidelines. Conventional loans typically do not require a well water test, although many buyers choose to have one performed to verify the water is safe and avoid unexpected issues after closing.