New Construction Roadmap · Stages 2–5

Appraisal Gap and LTV Stress Test

Test how a value scenario you enter would change the difference between price and value, the implied loan-to-value ratio, and the additional cash that might be needed to reach a lender-provided LTV target.

This tool does not predict an appraisal. It does not determine value, loan approval, renegotiation rights, cancellation rights, or what a builder or lender will do. Use an actual appraisal and lender instructions when they exist.
Transaction and value scenario
Use the price including documented options and premiums.
A hypothetical amount is a stress test—not a valuation.
Use the current loan amount from your lender scenario.
Optional tolerance test
Leave blank unless your lender supplied a relevant target.
A planning input only; it is not official cash to close.

Need to talk through the cash and financing questions?

Use this result to identify the questions for your lender and the builder. We can help you organize the scenario without predicting the appraisal or interpreting the contract.

Talk through this appraisal scenarioReturn to Stage 3

Answer six quick questions, provide your contact details, then choose a consultation time. Your calculator entries stay on this device unless you choose to share them.

Method, privacy, and boundaries

Method version: AAW CAL-103 v1.1 · August 2026. Gap = finished price minus entered value. Implied LTV = loan amount divided by entered value. Target-loan and cash-pressure results appear only when you enter a target LTV.

No input or result is saved by this calculator, placed in the page URL, or intentionally sent to Ask A Walker. If you want Ask A Walker to retain or review a personalized scenario, use the reviewed-result request instead of relying on this temporary browser result.

Educational scenario only. Verify lending consequences with a licensed mortgage professional, value with the applicable appraiser or appraisal report, and contract rights with a qualified Virginia real-estate attorney.