Water Testing Advice for Homebuyers

Learn why homebuyers should make water testing a priority when buying a new home.

Aqualite USNov 29, 2021

If you are in the market for a new home, you may be surprised to learn that some loans—including those from the FHA, VA, and USDA—have additional requirements for water testing.

Even if you plan to buy a home on a public water supply, knowing what is in the water is important. While public water is tested and should have "safe" amounts of minerals and contaminants, you may not want your family to ingest them at all. Learn more about the importance of water tests and how to use them in the negotiation process.

Homes with Private Wells

If you are looking at a home with a private well and you have no experience with one, it might seem a little daunting. While there is no reason to be afraid, you do not want to run into any surprises.

Here are a few things you should know about well water:

Home Water Testing Kit

Home Loans That Require Water Testing

Some organizations require well water testing to be eligible for home loans. Among them are the Federal Housing Administration (FHA), Veterans Administration (VA), and United States Department of Agriculture (USDA).

FHA Loans (Federal Housing Administration)

The FHA requires that to qualify for a loan, a well water test must be done for properties:

Also, the water must meet the health authority's requirements that have jurisdiction over the water supply; if there is none, water must meet EPA National Primary Drinking Water Regulations.

VA Loans (Veterans Administration)

The VA requires a water test every time a property with a private well is purchased or refinanced with a VA loan. Water must be tested for:

USDA Loans (US Department of Agriculture)

The USDA loan requirements include:

In all cases, the water must be tested by an independent third party.

Home Loan Mortgage Approval

Homes With Public Water Should Be Tested, Too

If the home you are looking at is on municipal water, it is regulated by the Safe Water Drinking Act, which sets acceptable levels of contaminants in drinking water; however, problems can still occur. Such as in Flint, Michigan, where lead-contaminated public water caused rashes, hair loss, and elevated blood lead levels in children.

In addition, the public water that comes out of the tap can collect contaminants when traveling through the pipes used to transport it from the water source to your home. A 2020 study by Purdue University, the largest of its kind, found that the water quality from your home faucet can differ from the water quality at the public source. If you want to ensure your water is clean, safe, and healthy for your family, you should get the water tested before moving in.

Water Testing and Price Negotiation

According to Realtor.com, water testing is rarely part of a basic home inspection. This means you will need to have a professional water test in the home you are interested in buying. Two kinds of water tests can be done:

  1. Tests that look for problems that will affect the home's infrastructure but do not address drinking water issues.
  2. Tests that look for harmful minerals, chemicals, microorganisms, and volatile organic chemicals harmful to human health.

Aqualite offers a free water testing service that seeks out hard-to-identify problems in the water that could affect your family's health and your home.

The good news is, almost all water issues are treatable with a water filtration system and/or water softener. After testing your water, our technicians can share recommendations for solutions and provide estimated costs.

Buying a home is a significant investment, and you want to make sure you will not run into unnecessary issues in the future. Water quality is essential—and you can use that in negotiating the property price by:

Young Latino Family Moving Into New Home

Post-purchase is Still a Good Time for Water Upgrades

Even if you did not know about any water problems before you moved into your new home, water filtration and water softening systems are still a good investment that can save you money:

At Aqualite, we are the water quality experts. If you are considering buying a new home, then call us for a free water test. We will come up with a water treatment plan that best fits your individual needs. Contact us today!

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