Quick back story - the wife and I are house hunting and have found a great house in the mountains (yeah they exist in NJ..)that we love a lot. We made an offer, it was accepted, but our subsequent inspection raised a red flag or two regarding the house's septic system. Apparently it's fairly new, installed in 2006. But our inspectors stated some serious doubts about the size of the bed/leech field. It was too small to be up to code for a 4 bedroom house, they felt. They offered to check with the county for the plans/permits, etc to make sure that it's basically legally installed. Aaaand guess what? The county has absolutely no paperwork on it. It was possibly installed with no permits and may not be up to code. We explained this to the sellers and asked that if they get get an engineer to come out, measure everything to be sure it's up to code and certify it as such, and we're golden. They refused and offered to only do a load test instead. Woopee! So they offer to test if the thing works. We kind of already know that... I'm getting ready to walk away and loose a good $4000 invested into this house already. So, understanding that the laws of every state can be potentially very different, what are the real risks for me as a home owner if the septic should go down or need to be replaced with no paperwork/certs registered with the county?