The table below provides a quick summary of the inspections and tests required by loan type.
| Loan Type>> | Conventional | FHA | VA | USDA | Jumbo |
| Public Utilities |
NONE | NONE | Pest only | Pest Only | NONE |
| Private Well |
NONE | Water Test Required
(See note 1) |
Water Test Required
(See note 2) |
Water Test Required
(See note 3) |
NONE |
| Septic System | NONE | Only if required by appraiser
(See note 4) |
Only if required by appraiser | Only if required by appraiser | Only if required by appraiser |
| Pest Inspection | Only if required by appraiser | Only if required by appraiser | Always – may not be paid for by Veteran | Always | Only if required by appraiser |
| Radon | NONE | NONE | NONE | NONE | NONE |
- FHA requires connection to public water if available on the street and cost to connect is less than 3% of sales price.
- VA requires connection to public water if available on the street.
- USDA requires connection to public water if available on the street and cost to connect is less than 3% of sales price.
- The separating distance between a private well and septic system must be at least 100’. In cases where the distance is >75’ but less than 100’, must provide evidence from the local health district that the lesser distance is permitted.