Certified Water Sampling
FHA and VA water testing for Florida loan closings.
FHA and VA loans require water quality testing on properties using private wells. PureSpec performs the certified sample collection and chain-of-custody documentation for your lender. Test panels include coliform, E. coli, lead, and nitrates, additional parameters available on request.
Standard coverage includes Orange, Seminole, Lake, Osceola and Polk counties. For properties outside these counties, contact PureSpec for a written quote before booking. Any travel charge is disclosed in your written quote.
What is FHA and VA water testing?
FHA and VA water testing is the well-water sampling that lenders commonly request for federally backed loans on properties served by a private well; your lender sets the exact requirement. The water is tested for total coliform bacteria, E. coli, lead, and nitrates or nitrites against EPA Safe Drinking Water Act thresholds, and results are documented on a laboratory report in the format lenders expect to receive. The sample is collected under protocol and travels under chain of custody to an accredited laboratory, which matters more than it sounds: a sample collected incorrectly can invalidate the result and force a repeat in the middle of a closing timeline. For that reason it is worth scheduling early in the inspection period rather than late, since laboratory analysis takes days and closing schedules rarely leave room to run it twice. The test documents the water sampled; it does not guarantee loan approval or a closing date.
What it covers
What's included?
- On-site sample collectionA certified sample is drawn from the private well or the kitchen tap under proper collection protocol.
- Chain-of-custody documentationThe sample is sealed and tracked so the result is traceable for the lender.
- Lab analysis of the required parametersTesting for bacteria (total coliform and E. coli), heavy metals (lead in particular), nitrates, and nitrites, measured against EPA Safe Drinking Water Act thresholds. Additional parameters available on request.
- Lender-ready written reportResults documented in the format FHA, VA, and USDA lenders accept for closing.
When you need it
When is this service the right fit?
- FHA loan closing on a property with a private well
- VA loan closing on a property with a private well
- USDA loan closing requiring well-water verification
- Buyer due diligence on any well-water property
How this service works
How does FHA and VA water testing actually work?
The lender needs a specific result set, documented in a specific way. The protocol matters as much as the analysis.
01Collect under protocol
The sample is drawn from the private well under collection protocol, because a sample taken casually is a sample a lender can reject.
02Chain of custody
The sample travels to an accredited laboratory under documented chain of custody.
03Analysis against EPA thresholds
Total coliform bacteria, E. coli, lead, and nitrates or nitrites, measured against Safe Drinking Water Act thresholds.
04Report in the lender's format
Results are documented on a laboratory report in the format federally backed mortgage lenders expect to receive.
Service areas
Where we perform FHA / VA Water Testing.
Orlando and Central Florida as the primary market, with statewide Florida projects available based on scope, scheduling, and travel requirements. Click the county nearest you for local context.
Honest answers
FHA and VA water testing, answered.
What is the water tested for?
Total coliform bacteria, E. coli, lead, and nitrates or nitrites, measured against EPA Safe Drinking Water Act thresholds and documented on a laboratory report you can provide to your lender. The report documents the results; it does not guarantee loan approval or a closing date.
How early should I schedule it?
Early in the inspection period. Laboratory analysis takes days, and a sample collected incorrectly has to be repeated, which closing schedules rarely leave room for.
Do you collect the sample yourself?
Yes. The sample is collected under protocol and travels under chain of custody to an accredited laboratory, because collection technique is what makes the result reliable.
Central Florida coverage