Buying a home outside the city limits often means the home has a well and septic system. Although, the home may only have one as public water or sewer may be available. When using the very popular FHA loan to purchase a home with these features, there are some rules to follow. These are known as FHA distance requirements for a well and septic tanks. The purpose of the rule is to keep sources of pollution, such as a septic tank, a safe distance from the drinking water source. Properties which do not meet these requirements could cause health hazards. Furthermore, an FHA loan may not be allowed.
FHA Minimum Distance Between a Well and Septic Tank for Existing Construction
In reality, distance requirements are not just for wells and septic tanks. So, distance requirements really deal with water vs any pollution source. Pollution sources include a septic tank, the drain field, and more.
FHA Distance Requirements Existing Homes
- Property line – 10 feet
- Septic tank – 50 feet
- Drain field – 100 feet
Although, there are some variations in certain cases. If allowed by the local authority, the septic tank drain field may be reduced to 75 feet. Also, if the property line is next to residential property, use the local authority well distance requirements. But, if the property is next to non-residential property or roadway, there must be at least a 10 foot distance from the property line.
In cases where the local authority allows for further distances, it will prevail over the above requirements. So, proof of this should be added to the loan file. When buying a home with a well or septic tank, it is highly recommended to request a well water test and septic tank inspection. In some cases, it may be required.
FHA Minimum Distance Between a Well and Septic Tank for New Construction
If a buyer purchases a new home, there are more detailed requirements.
- Property line – 10 feet
- Septic tank – 50 feet
- Absorption field – 100 feet
- Seepage pit or cesspool – 100 feet
- Sewer lines with permanent water tight joints – 10 feet
- Other sewer lines – 50 feet
- Chemically poisoned soil – 25 feet. Although reduced to 15 feet where ground surface is protected by impervious strata or clay, hardpan or rock)
- Dry well – 50 feet
- Other requirements – always refer to the local authority
Just like the existing homes requirements, any local authority requirements prevail over the above and may be used.
Another tip for a home buyer is to attend the septic system inspection. Not only may potential issues be explained in detail to the borrower, it is also a good education. A good education means learning how to maintain and service a septic system.
Source: FHA HUD.gov Single Family Housing Handbook 4000.1