A well pump assembly has a tube extending into the well for delivering water to a point below the pump to reduce the viscosity of the oil being pumped. The downhole motor that drives the pump is surrounded by a jacket. The tube that delivers the water extends to a point below the jacket to a cross-over member mounted to the lower end of the jacket, which directs the water upward and inward. The cross-over member also has passages that directs the production fluid upward and outward.