It is strongly recommended to check a septic system as a part of home inspection, and yes, buyer pays for it, but this is a seller's responsibility to so repairs of it or give a credit to a buyer, or even install a new septic.
Typically, the Buyer is responsible for the septic and the Seller is responsible for water testing.
The test is usually required as part of the C.O. if the town has one; may be required by the mortgage company; and because of the cost of a new system, you, the buyer, should definately want to have it tested. The buyer pays for most inpections in a contract, but the seller usually pays for any problem remediation. The BIG EXCEPTION to this rule is if it is a bank-owned property (REO), short sale, pre-foreclosure, bankruptcy sale. or if the seller has said up front that they want an as-is sale and will not do repairs, so these are questions you want to have the answer to before you even tender an offer. Sometimes because of issues like these -that cheap foreclosed property is not so cheap after all!
Kimberly Thomas, Broker
Realty Executives Brown & Pope
To be more direct, it is not required in order to close, but is highly recommended for your own protection.
Good luck to you!
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