Personally, I like to have the well, septic, title and title history ordered and in review while we are waiting for the appraisal. But that would not have saved you the costs and fees.
Speak to your realtor and the selling realtor and see if they and or the seller will assist you with the fees or costs you have incurred. It does not hurt to ask and see if they will help.
I will tell you that I do not believe any ordinary realtor would have caught that unless they write ALOT of contract that are in that particular area or that are USDA loans. Going forward, any property that has less than city water, sewer, etc, make those contingent fees that the seller pays until the property passes the loan guidelines if you can... in a seller's market that is difficult to get through the negotiation process.
of requirements that a property needed to met under USDA guidelines or given you a site to gather the information regarding USDA requirements.
As far as the well agreement, Your agent should have gotten the well agreement as part of the disclosure process , all disclosures and any info related to the property is normally given to the buyer within 5 days from Contract acceptance, so you would have had time to review during your due diligence review period, ...but ultimately it is the buyers responsibility to do all his due diligence during his allotted time for all inspections and info gathering.. It is common knowledge that normally a shared well supports 4 homes... especially for USDA, and even VA the standard is no more than 4
I am sorry you had such a bad experience.