The inspection/testing requirements for a USDA Loan are as follows:
- If on well water, a water test as determined by local County requirements. If unsure, contact the local County Government or request a “FHA water test” from the testing company. Usually the test will include a test for lead, nitrates, nitrites, and E.coli. A “flow test” isn’t required
- If applicable, Septic Certification is only required should the appraiser comment that he/she is unable to identify the location/distance of the well head to septic system, which must meet the following requirements:
- Well head to property line – 10 feet
- Well head to septic tank – 50 feet
- Well head to drain field – 100 feet or 75 feet if allowed by local authority (if 75 feet must document)
- Well head to roadway – 10 Feet
- Distance requirements of local authority prevail if greater than stated above
- Satisfactory Pest Inspection (i.e. Termite Report) – Optional. Based on Underwriter discretion
- Other inspection tests (i.e. roof certification, engineer report, etc.) may be required based on appraiser’s comments on his/her report
To learn more about the Virginia USDA Guaranteed Loan program please call (866) 747-2882.
Property Inspection Requirement