06 — Appraisal Gap Calculator

Know Your Risk
Before You Bid

What happens if the home appraises below your offer? Know your financial exposure before you sign — not after.

Your Offer Terms

Your Offer Price

Down Payment %

Your down payment determines your LTV, which drives appraisal sensitivity.

Loan Type

Interest Rate

Appraisal Contingency

Gap Coverage Limit (if partial)

Appraisal Scenario

Expected Appraised Value

Enter your best estimate. The slider below will let you stress-test other scenarios.

Available Cash Reserves (beyond down payment)

Seller's Likely Flexibility

Days on Market

days

Appraisal Gap Financials

Your Offer Price—

Appraised Value—

Appraisal Gap—

Max Loan (based on appraised value)—

Original Loan Amount—

Gap You Must Cover in Cash—

Your Available Reserves—

Can You Cover the Gap? —

🔴 Worst Case

🟡 Likely Case

🟢 Best Case

Stress Test: Appraisal Value Sensitivity

If home appraises at: —

——

Gap

—

Cash Needed

—

LTV at Appraisal

—

Your Options When the Appraisal Comes In Low

Know Your RiskBefore You Bid