Appraisal Gap Calculator
See the raw gap, what you might propose to cover, and what would remain unresolved.
EDUCATIONAL CALCULATION ONLY
Appraisal Gap Breakdown
raw appraisal gap (price − value)
If the remaining difference is positive and the seller will not budge, the transaction may depend on more buyer cash, other terms, a reconsideration of value, or contract rights. This tool does not claim the lender will approve any resulting structure.
Appraisal came in low? Talk to Lisa before agreeing to bring more cash.
An appraisal is an opinion and can contain errors. Lisa can review the comparable sales and the negotiation options before you commit additional funds.
Understanding the Appraisal Gap
Does an appraisal gap mean I owe the difference?
Not automatically. What happens depends on the contract, the appraisal contingency, financing, buyer cash, seller negotiation and other terms. Read more in the appraisal gap guide.
Can the appraisal be reconsidered?
If there are factual errors or stronger comparable data, a reconsideration of value may be appropriate through the proper process. It is a process, not a demand.
What if I cannot or should not cover the gap?
Negotiate a price reduction, a split, or other terms. Lisa can review the comparable sales before you promise to bring more cash.