Water Testing for Real Estate Transactions and FHA Loans

Why Water Testing Is Essential for Real Estate Transactions

When purchasing or refinancing a home, especially with an FHA or VA loan, water testing is critical to ensure the drinking water is safe and meets lender requirements. Since 1934, the Federal Housing Administration (FHA) has provided mortgage insurance for approved lenders, requiring specific water quality standards for properties with private wells or community water systems. Testing protects your investment and family’s health by identifying contaminants like bacteria, nitrates, and heavy metals that may affect water safety and property value. Learn more about FHA requirements.

FHA and VA Loan Water Testing Requirements

FHA and VA loans typically require testing for private wells, community wells, or non-regulated water systems to confirm the water is potable. Minimum tests include:

Bacteria (Coliform and E. coli): Determines if water is safe to drink.
Nitrates/Nitrites: Checks for contamination from agricultural runoff or septic systems.
Lead: Tests for lead from old plumbing or environmental sources (Corrosion).
pH Levels: Ensures water is not too acidic or alkaline, affecting plumbing and taste.

Some lenders may require additional tests based on local health authority guidelines or property location. E xplore our water testing kits.

Common Water Contaminants in Real Estate Transactions

Properties with private wells or aging infrastructure may face these common water quality issues:

Iron and Manganese: Cause discoloration, staining, and metallic tastes. Learn about treatment solutions.
PFAS (“Forever Chemicals”): Found in some water systems, posing health risks.
Bacteria: Indicates contamination from septic systems or surface water.
Hardness: Leads to scale buildup in pipes and appliances, corrosion, lead and more.

Comprehensive testing identifies these issues, ensuring compliance and safety. Use our self-diagnostic tool to assess your water quality.

Know Your H2O’s Path to Clean Water

Our Path to Clean Water program guides you through four levels of testing to ensure safe drinking water:

Level 1: Self-Diagnosis: Use sight, smell, taste, and touch to identify issues like sulfur smells or discoloration.
Level 2: DIY Testing: Use at-home kits for basic checks.
Level 3: Lab Testing: Submit samples for detailed analysis of contaminants.
Level 4: Certified Testing: Professional testing for FHA/VA compliance.

Why Choose KnowYourH2O for Water Testing?

With over 30 years of experience, KnowYourH2O offers expert guidance on water quality and testing. Our services include:

Approved testing for real estate transactions .
Comprehensive informational water testing kits for well water and city water.
Expert recommendations for water treatment solutions.

Frequently Asked Questions

What water tests are required for FHA loans?

FHA loans typically require tests for bacteria (coliform/E. coli.), nitrates, lead, and pH, but requirements vary by lender and location. Get a free pdf copy of our educational booklet that you can share with your clients or other professionals.

How often should I test my well water?

Test annually for bacteria and nitrates, especially after heavy rain or flooding, or if you notice changes in water quality, but we recommend the first test should be a comprehensive water assessment and we also recommend a Neighborhood Hazard Search.

Get Started with Water Testing Today

Ensure your home’s water is safe for your family and meets FHA/VA loan requirements. Order a testing kit or consult our experts to get on the Path to Clean Water.

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