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.

 

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