Stover

908-782-5374

161 US Highway 202
Ringoes, NJ 08551

Stover

908-782-5374

161 US Highway 202
Ringoes, NJ 08551

FHA Loan Water Testing for Real Estate

Water Testing for FHA Loans

Stover's Wells and Pumps provides water testing for FHA loans in Hunterdon, Somerset, and Mercer Counties in New Jersey. We certify that properties meet federal and local water supply requirements for public water supply, individual wells, and shared wells. Call Stover's today for FHA loan water testing in Central NJ!

Important FHA water supply requirements have been stipulated by the Department of Housing and Urban Development in handbook 4000.1. We've highlighted some of the those requirements below. Please keep in mind that local laws may take precedent over the federal requirements laid out in the handbook.
Water Test

FHA Water Supply System Requirements

Public Water Supply System

"The Mortgagee must confirm that a connection is made to a public or Community Water System whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing onsite systems are acceptable, provided they are functioning properly and meet the requirements of the local health department."

Individual Water Supply Systems (Wells)

"When an Individual Water Supply System is present, the Mortgagee must ensure that the water quality meets the requirements of the health authority with jurisdiction.

If there are no local (or state) water quality standards, then water quality must meet the standards set by the EPA, as presented in the National Primary Drinking Water regulations in 40 CFR §§ 141 and 142.

Soil poisoning is an unacceptable method for treating termites unless the Mortgagee obtains satisfactory assurance that the treatment will not endanger the quality of the water supply.

Requirements for the location of wells for FHA-insured Properties are located in 24 CFR § 200.926d (f) (3).

The following tables provide the minimum distance required between wells and sources of pollution for Existing Construction:

Individual Water Supply System for Minimum Property Requirements for Existing Construction*
1. Property line/10 feet
2. Septic tank/50 feet
3. Drain field/100 feet
4. Septic tank drain field reduced to 75 feet if allowed by local authority
5. If the subject Property line is adjacent to residential Property then local well distance requirements prevail. If the subject Property is adjacent to non-residential Property or roadway, there needs to be a separation distance of at least 10 feet from the property line.
* distance requirements of local authority prevail if greater than stated above

The following provides the minimum requirements for water wells:

Water Wells Minimum Property Standards for New Construction 24 CFR § 200.926d(f)(1)
1. Lead-free piping
2. If no local chemical and bacteriological water standards, state standards apply
3. Connection of public water whenever feasible
4. Wells must deliver water flow of five gallons per minute over at least a four-hour period

Water Wells Minimum Property Requirements for Existing Construction
1. Existing wells must deliver water flow of three to five gallons per minute
2. No exposure to environmental contamination
3. Continuing supply of safe and potable water
4. Domestic hot water
5. Water quality must meet requirements of local jurisdiction or the EPA if no local standard"

Shared Wells

"The Mortgagee must confirm that a Shared Well:
• serves existing Properties that cannot feasibly be connected to an
acceptable public or Community Water supply System;
•is capable of providing a continuous supply of water to involved Dwelling
Units so that each existing Property simultaneously will be assured of at least three gallons per minute (five gallons per minute for Proposed Construction) over a continuous four-hour period. (The well itself may have a lesser yield if pressurized storage is provided in an amount that will make 720 gallons of water available to each connected existing dwelling during a continuous four-hour period or 1,200 gallons of water available to each proposed dwelling during a continuous four-hour period. The shared well system yield must be demonstrated by a certified pumping test or other means acceptable to all agreeing parties.);
• provides safe and potable water. An inspection is required under the same circumstances as an individual well. This may be evidenced by a letter from the health authority having jurisdiction or, in the absence of local health department standards, by a certified water quality analysis demonstrating that the well water complies with the EPA’s National Interim Primary Drinking Water Regulations;
• has a valve on each dwelling service line as it leaves the well so that water may be shut off to each served dwelling without interrupting service to the other Properties; and
• serves no more than four living units or Properties."
The water supply system requirements listed above come from HUD handbook 4000.1, updated December 30th 2016. Please check with the Department of Housing and Urban Development for recently updated requirement specifications. Local laws and building codes may supersede those laid out in the handbook.

Serving Hunterdon, Somerset, and Mercer Counties

Stover's Wells and Pumps provides FHA loan water testing in Central New Jersey, including: Hunterdon, Mercer, and Somerset Counties. Learn more about our well, pump, and water conditioning services.
Contact us today for more information, 908-782-5374.

Stover's Wells and Pumps
3 Generations of Quality & Service
908-782-5374
161 US Highway 202
Ringoes, NJ 08551
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Stover

©2015 Stover's Well and Pumps

Stover's Wells and Pumps

3 Generations of Quality & Service

908-782-5374

161 US Highway 202
Ringoes, NJ 08551

Facebook Logo
Stover

©2015 Stover's Well and Pumps