FHA Approved Water Testing for Private Wells
Florida and the Carolinas
Why FHA Water Testing Matters
Protect your family and investment while meeting FHA, VA, and USDA requirements.
When a home relies on a private well, lenders typically require proof that the water is safe for drinking, cooking, and everyday use. FHA-approved water testing confirms the water meets health-based standards for contaminants such as coliform bacteria, E. coli, nitrates, nitrites, and lead — and in some cases arsenic and other metals depending on local requirements.
Beyond loan approval, well testing helps safeguard long-term health. Many contaminants have no noticeable taste, smell, or appearance, making regular testing essential.
EPA Drinking Water
Standards & Private Wells
The Environmental Protection Agency (EPA) sets enforceable National Primary Drinking Water Regulations (NPDWRs) for public water systems. These standards establish Maximum Contaminant Levels (MCLs) for substances that may pose a health risk.
However, private wells are not regulated by the EPA, meaning homeowners are responsible for their own testing and maintenance. Some states or counties set additional rules, but most private well users must rely on their own monitoring.
FHA Approved Water Testing
Private well water for FHA, VA, and USDA loans must meet state, local, or EPA health-based standards when no local guidelines exist. Our FHA-compliant testing evaluates your water for essential health and aesthetic parameters—covering bacteria, lead, nitrates, nitrites, arsenic, fluoride, hardness, pH, turbidity, and key minerals—to ensure both safety and overall water quality. With accredited laboratory methods and comprehensive reporting, we deliver reliable, lender-ready results that help you protect your home, your investment, and your peace of mind.
Health-Based FHA Compliance Panel
Water Quality & Hardness Analysis
Accredited Laboratory Testing Methods
All samples are analyzed by PriorityLab (TNI-accredited) using nationally recognized EPA and Standard Methods, including Colitag, EPA 200.9, EPA 300.0, Standard Method 3111B, 2340B, 2320B, 2120B, EPA 180.1, and EPA 150.3—ensuring precise, defensible results accepted by lenders and health authorities.
Who Should Get FHA-Approved Water Testing?
Buyers using FHA, VA, or USDA loans
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Homeowners refinancing
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Sellers preparing for market
Any private well owner seeking peace of mind
Frequently Asked Questions
Q What is an FHA-approved water test, and why does LunsPro offer it?
An FHA-approved water test is a certified laboratory analysis required for homes with private wells. LunsPro provides FHA-compliant sampling and testing to ensure the property's water is safe, potable, and meets all federal lending guidelines.
Q When is FHA water testing required during a home purchase?
FHA requires water testing when a home is on a private well or non-public water source. LunsPro handles the entire process—collection, certified lab delivery, and reporting—so buyers, sellers, and agents can move forward with confidence.
Q What does LunsPro's FHA water test include?
Our FHA water panel typically tests for Total Coliform, E. Coli, Nitrates, and Nitrites. Additional parameters such as lead or pH may be added if the lender or state guidelines require it.
Q Who collects the water sample for FHA compliance?
FHA requires a qualified, neutral third party to collect the sample. LunsPro's trained professionals meet this requirement, ensuring proper chain-of-custody and strict adherence to FHA protocols.
Q How long does it take to receive FHA water test results from LunsPro?
Most FHA lab results are available within 2-5 business days, depending on the laboratory and required testing parameters. LunsPro provides fast updates and delivers clear, easy-to-read reports.
Q What happens if the water fails FHA standards?
If a test fails, LunsPro provides guidance on next steps, such as well disinfection, system repairs, or filtration. Once corrections are made, we can conduct a retest to verify FHA compliance.
Q How long are LunsPro’s FHA water test results valid?
Results are typically valid for 90 days, in line with FHA guidelines. If your closing is delayed, we advise checking with your lender to confirm whether retesting is needed.
Q Do homes on public water need FHA testing?
No. If the home is connected to a municipal water supply, FHA generally does not require additional testing. LunsPro will confirm water source details during scheduling to avoid unnecessary testing.
Q Can filtration systems help a home pass FHA testing?
Yes—proper filtration can improve water quality. However, the water sample collected by LunsPro must still pass all FHA criteria. Severe contamination may require remediation beyond basic filtration.
Q Does LunsPro offer additional water testing beyond FHA requirements?
Absolutely. In addition to FHA panels, LunsPro offers expanded testing options such as lead, arsenic, hardness, metals, and full potability panels—ideal for buyers who want a deeper understanding of their water quality.