FHA Well Water Testing
FHA loans require private well water testing to confirm water quality and safety before a real estate transaction can close. Testing must be completed using proper sampling procedures and documented clearly for lender and underwriting review. Many FHA well water tests are rejected due to improper sampling locations, missing required analytes, or reports that are not formatted in a manner acceptable to underwriters.
This service is designed exclusively for FHA real estate transactions, not general homeowner water screening. Sampling follows EPA-recognized procedures, and water samples are analyzed by certified laboratories. Required testing commonly includes Total Coliform and E. coli bacteria, along with nitrate and nitrite analysis due to potential health risks associated with private wells. Additional testing may be required depending on lender conditions, property characteristics, or underwriting review.
Testing is coordinated early in the transaction to align with inspection and underwriting timelines. We work directly with real estate agents, lenders, and closing attorneys to ensure results are delivered promptly and reports meet FHA documentation expectations. This proactive approach helps reduce the risk of last-minute underwriting conditions, re-testing, or closing delays.
All results reflect conditions at the time of sampling only and are intended solely for the associated real estate transaction. Learn more through real estate well water testing in North Carolina and how compliant testing supports smooth FHA closings.

