VA Loan Well Septic Requirements in the Texas Hill Country

Buying a home in the Texas Hill Country often means embracing wide-open space, privacy, and the freedom that comes with rural living. Many of these properties rely on a private well and septic system—common for Boerne, Comfort, Kendall County, and the surrounding communities.

If you’re using a VA loan, there are just a few simple steps to be aware of. These aren’t complicated, but they do help ensure your loan stays on track and the property meets VA requirements.

Below are the four key things every VA buyer should know when purchasing a home with a well and septic system.

1. Schedule a Water Quality Test

For VA loans, the water source must be safe. That means a licensed well company or inspector needs to complete a water quality test, and the results must show no bacteria or contaminants.

Your lender’s underwriter will need this report before approval, so completing it early keeps everything moving smoothly.

2. Have the Septic System Pumped

Most VA lenders require proof that the septic system has been pumped and is functioning properly.

Once the work is done, make sure the invoice is sent directly to your lender so it becomes part of your VA loan file.

3. Clear the WDI (Wood-Destroying Insect) Report

Here in the Hill Country, a WDI inspection is standard—and for VA loans, it’s required.
The report must show no active activity and no damage that affects the home’s safety or structure.
If something does show up, most issues can be treated quickly with the right professional.

4. Take Care of Any Wood Rot

It’s common for Hill Country homes to have exterior wood trim, decks, or posts. If inspectors find wood rot, the VA typically requires repairs before closing.

Taking care of this early keeps your appraisal and underwriting process on schedule.

Keeping Your VA Loan on Track in the Hill Country

These steps are simple, but they matter. A little preparation makes the VA process feel much easier—especially when you’re buying in rural areas where wells and septic systems are part of everyday life.

If you’re exploring Hill Country homes or need trusted companies for water testing, septic pumping, or WDI inspections, our team is here to help you navigate every step with confidence

If you’re preparing to buy a Hill Country home with a well and septic, we’re here to help you navigate each step with confidence.

VA Loan Well Septic Requirements in the Texas Hill Country