Enter your price and the appraisal. See the gap, the cash you need, and what each option costs.
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Loan type
Appraisal contingency still active?
Not sure? Look for a signed C.A.R. Form CR. The standard contract gives 17 days unless you wrote fewer.
Appraisal gap
$0
Under price by—
Planned loan$0
New max loan, same LTV(based on appraisal)$0
Cash to close the deal at this price(down + gap)$0
Extra cash vs your plan$0
The appraisal is at or above your price. No gap. The lender uses your contract price.
Your options, in dollars
Next steps
Check your appraisal contingency deadline today. Still active means you have leverage. Dates: T60. Deposit risk: T08.
Ask your lender for a full copy of the appraisal and their Reconsideration of Value (ROV) form. Check the facts first: sqft, beds, baths, lot, upgrades, ADU.
Send 3–5 better sold comps through the lender, never straight to the appraiser. Close by, similar, sold recently. Ken can pull them.
Any price change or credit goes in a signed addendum, then escrow updates the instructions. Need to cancel? In writing, before the deadline. ROV rules: Fannie Mae · HUD (FHA).
Many people get this wrong: "A low appraisal means the house is bad." No. The appraiser checks what similar homes sold for in the last few months, not whether the house is good. When buyers pay over list, the sold comps lag behind. Checking the condition is the inspection's job (T70).