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Lender requiring additional test after closing?

We recently closed on a home purchased through a USDA loan. USDA came back to the lender saying we're missing a specific test. The lender tells our mortgage company, mortgage company sends someone out to conduct the test, and it turns out our home failed said test. Who is on the hook for paying for the repairs necessary to make our home pass this test? It's a private well water pressure test. The house is safe to live in and we hardly notice lower-than-acceptable pressure.
  • August 06 2014 - US
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Answers (4)

Its possible but unliklely if you look at your mortgage paperwork, most say that the home must be kept in or upgraded in condition that it was when purchased 
  • August 06 2014
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Profile picture for wetdawgs
Yes, when signing for a loan one signs a document that says the lender can come back with more requirements.

With a 0% down loan, the house is the lender's house even though we think of it as our own.
  • August 06 2014
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Profile picture for BrianS122
Can a lender force a buyer to perform work on a house once the paperwork has been signed? That's concerning if it's true.
  • August 06 2014
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Ultimately I beleive you would be held responsible for the cost of repairs but you may see if you can get a waiver or if the usda can make an exception if for example the local building inspector says it meets local codes
  • August 06 2014
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