Appraisal Value and Financing Gap Note

Prepare an evidence-backed financing-gap discussion without treating the appraisal as a lender commitment. Preparation only, not an account action.

What to provide

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

How it works

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.

The output

price | appraisal | lender_basis | ltv | illustrative_loan | price_less_loan | unconfirmed_costs | review

Worked fictional example

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.

Checks and limits

Keep source versions and original values. Unknowns stay unknown. Use qualified review for regulated, legal or hiring decisions. No live account compatibility test, send, share, schedule, ledger change or payment is authorized.

More real estate workflows · How-to guides

Method: reviewed source. Demand lead: 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. Checked October 8, 2026.