# Appraisal Value and Financing Gap Note

Prepare an evidence-backed financing-gap discussion without treating the appraisal as a lender commitment.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Purchase price; appraisal value/date; documented lender loan-basis and LTV; contingency text; buyer funds evidence; jurisdiction.

## Workflow
1. Preserve price and appraisal separately; check property and date match.
2. Calculate a loan illustration only when the lender basis and LTV are supplied.
3. Separate illustrative price gap from confirmed cash-to-close, fees and required reserves.
4. List lender/agent review questions and contract uncertainties; no legal conclusion or offer change.

## Output contract
price | appraisal | lender_basis | ltv | illustrative_loan | price_less_loan | unconfirmed_costs | review

## Fictional acceptance test
Fictional price 300000, appraisal 280000, supplied 80% appraisal basis gives loan 224000 and price gap 76000 before fees. This is not confirmed cash-to-close or loan approval.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.nar.realtor/the-facts/consumer-guide-steps-between-signing-and-closing-on-a-home

Checked October 8, 2026. Oct8 live GSC through Oct5: marketing copilot 37 impressions, Planable/Claude 33 and Planable/ChatGPT 23, campaign brief 12 and reports 11. Marketing/social topics follow these parent-query leads; other professions follow method-source workflow needs, not exact query measurements. Exact monthly volume is unmeasured.