Free Email Tips
Plain-English explanations, testing reminders, and treatment tips — delivered free to rural homeowners.
If a home has a private well, water testing isn't just a good idea before you buy โ for many loan types, it's mandatory. FHA and VA loans require a potability test before closing in nearly all cases, and many conventional lenders require one too, particularly if the property is in a county with known groundwater contamination issues (nitrates from agricultural runoff, arsenic in bedrock areas, etc.).
Standard lender-required panels typically test for total coliform bacteria and E. coli at minimum โ this is the baseline safety test almost every loan type requires. Many lenders also require nitrate and nitrite testing, especially in agricultural regions. Beyond the minimum, buyers often add lead, arsenic, and a general water quality panel (hardness, iron, pH, TDS) at their own expense, since the lender-required test alone won't catch everything worth knowing about before you own the property.
This is negotiable and usually spelled out in the purchase agreement, but the buyer typically orders and pays for the test, using a certified lab (not a DIY kit โ lenders require results from an accredited laboratory, not an at-home test strip). Turnaround is usually 3-5 business days for bacteria, longer for a full chemical panel.
A failed bacteria test doesn't necessarily kill the deal โ shock chlorination followed by a retest often resolves coliform bacteria issues, and many purchase agreements include a clause allowing the seller to treat and retest before closing. Chemical contamination (arsenic, nitrates above the safe threshold) is a more serious issue and typically requires a treatment system to be installed and verified before a lender will clear the loan, which can affect closing timelines and who is responsible for the cost.
If you know your well hasn't been tested recently, testing before listing can prevent a surprise that delays closing. A clean, recent test result is also a selling point buyers increasingly ask for up front.