{"id":8900,"date":"2026-07-09T13:15:55","date_gmt":"2026-07-09T18:15:55","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=8900"},"modified":"2026-07-09T13:15:55","modified_gmt":"2026-07-09T18:15:55","slug":"low-appraisal-what-to-do-texas","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/low-appraisal-what-to-do-texas\/","title":{"rendered":"Your Home Appraisal Came in Low: What Texas Buyers and Sellers Do Next"},"content":{"rendered":"<div class=\"rl-page\">\n<header class=\"rl-hero\">\n<div class=\"rl-eyebrow\">Process \u00b7 Guide<\/div>\n<\/header>\n<nav aria-label=\"Jump to section\" class=\"rl-jump-nav\">\n<a href=\"#when-an-appraisal-comes-in-lower-than-the-offer\">When an Appraisal Comes in Lower Than the Offer<\/a><br \/>\n<a href=\"#what-is-a-home-appraisal\">What Is a Home Appraisal?<\/a><br \/>\n<a href=\"#what-should-a-buyer-do-when-an-appraisal-comes-in-low\">What Should a Buyer Do When an Appraisal Comes in Low?<\/a><br \/>\n<a href=\"#reasons-a-house-appraises-lower-than-expected\">Reasons a House Appraises Lower Than Expected<\/a><br \/>\n<a href=\"#faqs\">FAQs<\/a><br \/>\n<\/nav>\n<p>A low home appraisal in Texas doesn&#8217;t have to kill your deal. Buyers and sellers typically have four paths forward: request a reconsideration of value, renegotiate the price, cover the difference out of pocket, or walk using the appraisal contingency. The right move depends on how far below contract the number landed and whether the seller has backup offers waiting.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>Before You Respond to a Low Appraisal<\/h3>\n<ul>\n<li><strong>Review the report first:<\/strong> Read the full appraisal for errors in square footage, lot size, room count, or missed upgrades before taking any action.<\/li>\n<li><strong>Check your contract:<\/strong> Texas contracts typically include an appraisal contingency that lets buyers renegotiate or walk away if the value comes in below the agreed price.<\/li>\n<li><strong>Gather recent comps:<\/strong> Pull 3 to 5 comparable sales within a half mile and 90 days that the appraiser may have overlooked or weighted incorrectly.<\/li>\n<li><strong>Worth knowing:<\/strong> Lenders cap your loan at the appraised value, so a $20,000 gap on a $350,000 contract means covering that $20,000 difference in cash, renegotiating the price, or requesting a reconsideration of value.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What You Need Before Responding<\/h3>\n<ul>\n<li><strong>Must have:<\/strong> A copy of the full appraisal report from your lender, including the comparable sales the appraiser used and any condition adjustments noted.<\/li>\n<li><strong>Strongly recommended:<\/strong> Two or three recent comparable sales within a half-mile that closed above the appraised value, prepared by your agent with MLS data.<\/li>\n<li><strong>Optional but helpful:<\/strong> Documentation of upgrades or repairs the appraiser may have missed, such as a new roof, HVAC replacement, or permitted additions with receipts.<\/li>\n<li><strong>Bottom line:<\/strong> Texas lenders typically allow 10 to 15 business days to submit a reconsideration of value, so gather your comps and documentation before that window closes.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Low Appraisal Response Timeline<\/h3>\n<ul>\n<li><strong>First 48 hours:<\/strong> Review the appraisal report for errors in square footage, comp selection, or condition ratings before deciding your next move.<\/li>\n<li><strong>Days 3 through 7:<\/strong> Your agent gathers recent comparable sales within a half-mile radius and builds supporting documentation for a reconsideration of value submission.<\/li>\n<li><strong>Negotiation window:<\/strong> Seller and buyer typically have 5 to 7 days under a standard TREC contract to renegotiate price, split the difference, or cancel the deal.<\/li>\n<li><strong>Worth knowing:<\/strong> Most Texas transactions resolve a low appraisal within 14 to 21 days total, but missing your option period deadline forfeits your earnest money and negotiating position.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What a Low Appraisal Costs You<\/h3>\n<ul>\n<li><strong>Appraisal gap:<\/strong> The difference between contract price and appraised value comes out of your pocket at closing, since lenders only finance up to the appraised amount.<\/li>\n<li><strong>Second appraisal fee:<\/strong> Ordering an independent second appraisal runs $300 to $600 in most Texas markets, and the new value is not guaranteed to come in higher.<\/li>\n<li><strong>Price negotiation:<\/strong> Asking the seller to lower the contract price or split the difference eliminates or reduces your cash-at-closing gap without additional appraisal fees.<\/li>\n<li><strong>Break-even:<\/strong> If the gap exceeds 3 to 5 percent of the purchase price, most Texas buyers save more by renegotiating or walking away than by covering the full difference in cash at closing.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<div class=\"rl-atf-faqhead\"><span class=\"rl-kicker\">Asked First<\/span>Top questions before you dig in<\/div>\n<details>\n<summary>What should a buyer do if an appraisal comes in low?<\/summary>\n<p>Request a Reconsideration of Value through your lender by providing recent comparable sales that support the contract price. If the appraisal still holds, negotiate with the seller to reduce the price, split the difference, cover the gap with cash, or order a second independent appraisal.<\/p>\n<\/details>\n<details>\n<summary>Why did my house appraise so low?<\/summary>\n<p>Common causes include limited comparable sales in your area, a rapid price increase that outpaced recent closings, or property condition issues the appraiser flagged. In Texas markets where bidding wars push contract prices above recent comps, appraisals frequently come in short because appraisers rely on closed sale data that lags current demand.<\/p>\n<\/details>\n<details>\n<summary>How to dispute a low appraisal?<\/summary>\n<p>Ask your lender to file a Reconsideration of Value (ROV) with the appraiser. Include recent comparable sales the appraiser may have missed, details on upgrades, and any factual errors in the original report. Your agent can also meet the appraiser on-site to present supporting data before the report is finalized.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>A low appraisal does not kill a Texas home sale, but it forces both sides into a decision fast. The contract price and the appraised value now sit apart, and the lender will only finance up to the appraised amount. What happens next depends on who blinks, who has leverage, and whether the numbers justify a fight.<\/strong><\/p>\n<p>In Texas, buyers can request a Reconsideration of Value by having their lender submit additional comparable sales the original appraiser missed. Sellers can lower the price, split the difference, or offer repair credits to close the gap. VA loan buyers get extra protection through the Tidewater process, which allows agents to submit supporting comps before the appraiser finalizes the report. FHA and conventional buyers can walk with their earnest money if the contract includes an appraisal contingency. Cash buyers skip the issue entirely since no lender caps the price.<\/p>\n<ul>\n<li>Request a Reconsideration of Value with comparable sales the original appraiser may have missed.<\/li>\n<li>Negotiate a price reduction, split the gap, or ask the seller for closing cost credits.<\/li>\n<li>VA loan buyers get Tidewater protection, allowing agents to submit supporting comps before the value finalizes.<\/li>\n<li>An appraisal contingency in the TREC contract lets buyers walk and recover their earnest money.<\/li>\n<li>A second appraisal is an option, but the buyer pays for it and results are not guaranteed.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h2 id=\"when-an-appraisal-comes-in-lower-than-the-offer\">When an Appraisal Comes in Lower Than the Offer<\/h2>\n<p>A low appraisal creates a financing gap. It means the lender won&#8217;t cover the full agreed price. Texas buyers typically have five paths: negotiate the price down to appraised value, split the difference, cover the gap in cash, request a Reconsideration of Value, or walk away using the appraisal contingency. The right move depends on local inventory, buyer cash reserves, and how motivated the seller is.<\/p>\n<table>\n<thead>\n<tr>\n<th>Option<\/th>\n<th>How It Works<\/th>\n<th>Who It Favors<\/th>\n<th>When It Works in Texas<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Negotiate price to appraised value<\/td>\n<td>Seller reduces sale price to match the appraisal<\/td>\n<td>Buyer<\/td>\n<td>Balanced or buyer-friendly markets. Sellers with 30+ days on market are more likely to agree.<\/td>\n<\/tr>\n<tr>\n<td>Split the difference<\/td>\n<td>Buyer and seller each cover part of the gap<\/td>\n<td>Both<\/td>\n<td>Most common compromise. On a $15,000 gap, each side absorbs $7,500.<\/td>\n<\/tr>\n<tr>\n<td>Cover gap in cash<\/td>\n<td>Buyer pays the difference above financed amount at closing<\/td>\n<td>Seller<\/td>\n<td>Requires verified liquid reserves. Lender still finances only to appraised value.<\/td>\n<\/tr>\n<tr>\n<td>Request Reconsideration of Value<\/td>\n<td>Lender submits stronger comps to appraiser for review<\/td>\n<td>Buyer<\/td>\n<td>No cost to file. Succeeds when original appraisal missed recent nearby sales.<\/td>\n<\/tr>\n<tr>\n<td>Walk away<\/td>\n<td>Buyer cancels the contract under appraisal contingency<\/td>\n<td>Buyer<\/td>\n<td>Earnest money returned only if contract includes an appraisal contingency clause.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Requesting a Reconsideration of Value costs nothing and works more often than most buyers realize. The key is providing the appraiser with two or three comparable sales within a half-mile radius that closed in the last 90 days. In Texas, where home values can shift block by block across a single subdivision, the right comps make a measurable difference. If none of these options bridge the gap, the appraisal contingency is the buyer&#8217;s clean exit. Without that clause in the contract, walking away means forfeiting earnest money, which typically runs 1% to 3% of the purchase price in Texas.<\/p>\n<\/section>\n<section>\n<h2 id=\"what-is-a-home-appraisal\">What Is a Home Appraisal?<\/h2>\n<p>A home appraisal is an independent property valuation ordered by the lender to confirm the home supports the loan amount. A licensed appraiser inspects the property, reviews comparable sales in the surrounding area, and delivers a written report with a market value estimate. In Texas, most appraisals run $300 to $500 and take 7 to 14 business days.<\/p>\n<div class=\"rl-callout rl-callout--file_guidance\">\n<strong>File Guidance<\/strong><\/p>\n<p>Texas appraisers pull comps from the same county or adjacent areas with similar market conditions. In rural parts of the state where recent sales are sparse, the appraiser may widen the search radius beyond 10 miles. Fewer comps means more variability in the final number. Before you go under contract on a property in a low-inventory area, ask your lender how comp availability could affect the appraisal timeline and result.<\/p>\n<\/div>\n<p>The appraiser&#8217;s report is not a home inspection. It does not flag plumbing problems, roof damage, or foundation cracks unless those conditions are visible and severe enough to affect the property&#8217;s marketability, which means a clean appraisal gives you no assurance about the home&#8217;s physical condition. Texas sellers sometimes assume a passing appraisal means no repairs are needed. The appraisal also has a shelf life. Most conventional and FHA appraisals stay valid for 120 days, while <a href=\"\/lrg-blog\/inspections-appraisals-killeen-2026\/\">VA appraisals<\/a> hold for six months from the effective date.<\/p>\n<\/section>\n<section>\n<h2 id=\"what-should-a-buyer-do-when-an-appraisal-comes-in-low\">What Should a Buyer Do When an Appraisal Comes in Low?<\/h2>\n<p>Start with a Reconsideration of Value. Your agent compiles comparable sales the appraiser overlooked and submits them through the lender for formal review. If stronger comps support a higher number, the gap shrinks or closes at no extra cost. When the ROV does not move the value, four other strategies come into play.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><strong>Renegotiate the contract price:<\/strong> Ask the seller to reduce the sale price to the appraised value, or propose splitting the difference so both sides absorb part of the gap. Sellers in balanced Texas markets often accept a price reduction rather than relisting, which costs them 30 to 60 additional days on market.<\/li>\n<li><strong>Cover the gap in cash:<\/strong> Pay the difference between the appraised value and the contract price yourself at closing. On a $350,000 contract with a $335,000 appraisal, that means bringing $15,000 on top of your down payment and closing costs. This works when the gap is small, but a $30,000-plus shortfall is impractical for most buyers.<\/li>\n<li><strong>Order a second appraisal:<\/strong> Some lenders allow a second opinion when the original report contains factual errors or uses outdated comps. You typically pay $300 to $600 out of pocket, and results are not guaranteed, but in fast-moving Texas submarkets newer comps can support a higher value.<\/li>\n<li><strong>Exercise your appraisal contingency:<\/strong> If your contract includes an appraisal contingency through the TREC Third Party Financing Addendum, you can terminate the deal and recover your earnest money. Without that clause, walking away over a low appraisal means forfeiting your deposit to the seller.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=home-appraisal-came-in-low-what-to-do-texas\">Connect with LRG \u2192<\/a><\/div>\n<section>\n<h2 id=\"reasons-a-house-appraises-lower-than-expected\">Reasons a House Appraises Lower Than Expected<\/h2>\n<p>Low appraisals in Texas trace back to a short list of measurable factors. Rapid price movement in metros like San Antonio, Austin, and DFW often outpaces the comparable sales data appraisers pull from MLS records. Most appraisers look at closed sales within the past three to six months and within a one-mile radius. In fast-appreciating ZIP codes, that window misses recent price jumps entirely. But stale comps are only one cause. Property condition, neighborhood price ceilings, over-improvements, and the appraiser&#8217;s familiarity with the local market all affect the outcome.<\/p>\n<table>\n<thead>\n<tr>\n<th>Reason<\/th>\n<th>What It Means<\/th>\n<th>Texas Frequency<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Stale or limited comps<\/td>\n<td>Closed sales from 3-6 months ago lag behind current prices in fast-moving markets<\/td>\n<td>Very common in growing suburbs<\/td>\n<\/tr>\n<tr>\n<td>Property condition issues<\/td>\n<td>Foundation movement, deferred maintenance, or aging systems reduce the adjusted value<\/td>\n<td>Common statewide, especially pre-1990 homes<\/td>\n<\/tr>\n<tr>\n<td>Over-improvements<\/td>\n<td>Renovations exceed what surrounding homes sell for, limiting the appraiser&#8217;s adjusted figure<\/td>\n<td>Moderate in established neighborhoods<\/td>\n<\/tr>\n<tr>\n<td>Neighborhood price ceiling<\/td>\n<td>Surrounding home sales cap appraised value regardless of individual upgrades<\/td>\n<td>Common in older subdivisions<\/td>\n<\/tr>\n<tr>\n<td>Unfamiliar appraiser<\/td>\n<td>Out-of-area appraiser misses local pricing trends or recent new-construction comps<\/td>\n<td>Increasing due to appraiser shortages<\/td>\n<\/tr>\n<tr>\n<td>Bidding-war premium<\/td>\n<td>Contract price reflects buyer competition, not underlying market value<\/td>\n<td>Common during low-inventory months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Foundation problems deserve special attention in Texas. Expansive clay soils across Central and North Texas cause shifting that appraisers flag with condition adjustments of $5,000 to $15,000. An appraiser who spots previous pier work or active cracking will reduce the adjusted value accordingly. When a foundation adjustment stacks on top of limited comps in a newer subdivision, the gap between the contract price and the appraised value can hit $20,000 or more. That combination accounts for many of the largest appraisal shortfalls LRG agents see across the <a href=\"\/lrg-blog\/2024-7-17-san-antonio-real-estate-a-resilient-market-with-promising-opportunities\/\">San Antonio market<\/a>.<\/p>\n<\/section>\n<section>\n<h2 id=\"steps-to-dispute-a-low-appraisal\">Steps to Dispute a Low Appraisal<\/h2>\n<p>Filing a dispute starts with a line-by-line review of the appraisal report. Check the listed square footage against the county tax record, confirm the appraiser used the correct lot dimensions, and flag any missing upgrades like a permitted garage conversion or a full kitchen remodel. Factual errors on measurable items give your lender the strongest basis to request a formal revision before you escalate to a second opinion.<\/p>\n<div class=\"rl-callout rl-callout--file_guidance\">\n<strong>File Guidance<\/strong><\/p>\n<p>Build the dispute file before your agent contacts the lender. Document every improvement with completion dates, itemized costs, and permit numbers from the county. Attach contractor invoices and dated photographs of the finished work. Pull three to five comparable sales within a half-mile that closed in the last 90 days and show higher per-square-foot values. When your lender submits this package, include a one-page summary listing each appraisal error alongside the verified correction. A clean, organized file gets reviewed faster than a loose stack of printouts.<\/p>\n<\/div>\n<p>If the original appraiser stands by the value after reviewing your corrections, ask your lender about ordering a second appraisal. On conventional loans in Texas, a second opinion comes at the buyer&#8217;s expense and uses a different appraiser. <a href=\"\/lrg-blog\/10-reasons-why-va-loans-are-a-game-changer-for-veterans\/\">VA loans<\/a> follow the Tidewater process, which gives the listing agent a window to submit supporting comps before the appraiser locks in the final number. Either way, keep every communication in writing. A documented dispute trail protects your position if negotiations reopen.<\/p>\n<\/section>\n<section>\n<h2 id=\"can-the-seller-lower-the-price-after-a-low-appraisal\">Can the Seller Lower the Price After a Low Appraisal?<\/h2>\n<p>Yes, and in many Texas transactions a price reduction is the fastest path to closing. Sellers can agree to lower the contract price to the appraised value, split the difference with the buyer, or hold firm and risk losing the deal entirely. Which option makes sense depends on local inventory, buyer competition, and the seller&#8217;s timeline.<\/p>\n<div class=\"bullet-section-blue\">\n<ul>\n<li><strong>Full price reduction:<\/strong> The seller drops the contract price to match the appraised value, closing the financing gap so the buyer&#8217;s loan can proceed. In slower Texas markets or when the home has sat on the market for 30 or more days, sellers frequently take this route rather than risk restarting with a new buyer who will likely get the same appraisal result.<\/li>\n<li><strong>Split the difference:<\/strong> Buyer and seller each cover part of the gap between the appraised value and the original contract price. On a $15,000 shortfall, that might mean the seller reduces by $7,500 and the buyer brings $7,500 in additional cash to closing. Both sides give ground, but the deal moves forward without either party absorbing the full hit.<\/li>\n<li><strong>Seller concessions instead of a price cut:<\/strong> The seller keeps the contract price intact but offers closing cost credits or repair allowances that reduce the buyer&#8217;s cash needed at settlement. This approach works when the seller needs the higher recorded sale price for a subsequent purchase, a home equity calculation, or a relocation reimbursement tied to the original contract amount.<\/li>\n<li><strong>Hold firm and relist:<\/strong> In competitive Texas metros with multiple offers on the table, some sellers reject any reduction and wait for a cash buyer or someone willing to cover the gap out of pocket. This strategy pays off more often in low-inventory markets like San Antonio and parts of DFW, where strong demand means the next offer could arrive within days.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section>\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\n<p>A low appraisal in Texas is a financing problem, not the end of a deal. The gap between appraised value and contract price gives buyers real options: negotiate the price down, split the difference with the seller, bring extra cash to closing, request a Reconsideration of Value, or walk using the appraisal contingency. Each path depends on market conditions, your financial position, and how motivated the seller is to close.<\/p>\n<p>Start with the appraisal report itself. Check the square footage against county tax records, confirm the comparable sales make sense for your area, and have your agent submit stronger comps if the appraiser missed recent activity. Fast-moving metros like San Antonio, Austin, and DFW regularly produce appraisal gaps because comp data lags behind actual sale prices. The right response comes down to knowing your options and acting on the one that fits your situation.<\/p>\n<\/section>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>What happens if a house appraises for less than the offer?<\/summary>\n<p>The deal does not automatically fall apart, but the lender will not finance more than the appraised value. In Texas, the buyer typically has three paths: cover the difference out of pocket, renegotiate the contract price with the seller, or terminate using the appraisal contingency in the TREC Third Party Financing Addendum. If the contract includes that addendum and the lender reduces the loan commitment due to the low appraisal, the buyer can walk away and recover their earnest money. Without it, the buyer either bridges the gap or risks losing their deposit.<\/p>\n<\/details>\n<details>\n<summary>How close does an appraisal usually come to the purchase price?<\/summary>\n<p>In most Texas transactions, appraisals land within 1% to 3% of the contract price. Appraisers pull recent comparable sales from the same area, typically closed within the last 90 days and within a mile of the subject property. In fast-moving markets like Austin or San Antonio, limited comp availability can push gaps wider. New construction neighborhoods sometimes see larger discrepancies because few closed sales exist for comparison. If your offer sits more than 5% above the most recent comparable sale in the area, expect closer scrutiny from the appraiser.<\/p>\n<\/details>\n<details>\n<summary>Will my home appraise high enough?<\/summary>\n<p>No one can guarantee an appraisal outcome, but you can improve your odds. Make sure your agent provides the appraiser with a list of recent comparable sales that support the contract price. In Texas, sellers can be present during the appraisal to point out upgrades the appraiser might miss, like a new roof, updated HVAC, or a recent kitchen renovation. Clean the property thoroughly before the visit. Appraisers are trained to look past cosmetics, but condition and maintenance still factor into the final assessment.<\/p>\n<\/details>\n<details>\n<summary>Do you get earnest money back if the appraisal is low?<\/summary>\n<p>It depends on your contract terms. The standard Texas TREC contract includes appraisal protection through the Third Party Financing Addendum. If the appraisal comes in below the loan amount and the lender reduces the commitment, the buyer can terminate and receive a full earnest money refund. Without that addendum, or if the buyer waived the appraisal contingency to strengthen the offer, the earnest money is at risk. Review the financing addendum and any amendments with your agent before making decisions about whether to proceed or terminate.<\/p>\n<\/details>\n<details>\n<summary>Can the seller back out if the appraisal comes in lower than the offer?<\/summary>\n<p>Generally, no. A low appraisal does not give the seller a right to terminate under a standard Texas TREC contract. The seller remains bound by the agreement at the contract price. If the buyer terminates due to the appraisal gap, the seller is then free to relist. Some sellers use a low appraisal as leverage to push back on repair requests or other negotiated concessions. The seller&#8217;s main risk with relisting is that the same comp data will produce similar or lower offers from the next round of buyers.<\/p>\n<\/details>\n<details>\n<summary>What happens if a house appraises for more than the offer?<\/summary>\n<p>The buyer benefits. When the appraisal exceeds the contract price, the lender finances based on the lower contract price, not the higher appraised value. The buyer walks into the home with instant equity. The seller cannot renegotiate upward based on a higher appraisal. In Texas, the contract price is the contract price. That higher appraised value also improves the buyer&#8217;s loan-to-value ratio, which can mean lower mortgage insurance costs or better loan terms from the lender.<\/p>\n<\/details>\n<details>\n<summary>What if the appraiser used bad comps?<\/summary>\n<p>Review the appraisal report line by line. Texas appraisers must use comparable sales similar in size, age, condition, and location. If the comps come from a different school district, a significantly different subdivision, or properties that sold under distress conditions like foreclosure, those are valid grounds to push back. Your agent can compile a list of stronger comparable sales, focusing on properties within one mile, sold within the last 90 to 180 days, and within 10% of the subject property&#8217;s square footage. Submit those comps to the lender with a clear explanation of why they better represent the property&#8217;s value.<\/p>\n<\/details>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<div class=\"bullet-section-green\">\n<ul>\n<li><a href=\"https:\/\/www.thefederalsavingsbank.com\/Blog\/what-to-do-when-the-appraisal-comes-in-low\/\" rel=\"noopener noreferrer\" target=\"_blank\">Thefederalsavingsbank.com \u2014 What to Do When the Appraisal Comes in Low<\/a><\/li>\n<li><a href=\"https:\/\/www.rocketmortgage.com\/learn\/low-appraisal\" rel=\"noopener noreferrer\" target=\"_blank\">Rocketmortgage.com \u2014 What to do if you receive a low appraisal &#8211; Rocket Mortgage<\/a><\/li>\n<li><a href=\"https:\/\/www.redfin.com\/blog\/appraisal-came-in-low\/\" rel=\"noopener noreferrer\" target=\"_blank\">Redfin.com \u2014 What to Do if Your Home Appraisal Comes in Low &#8211; Redfin<\/a><\/li>\n<li><a href=\"https:\/\/martenteam.com\/blog\/when-the-appraisal-comes-in-low-what-buyers-and-sellers-in-north-texas-should-do-next\" rel=\"noopener noreferrer\" target=\"_blank\">Martenteam.com \u2014 Low Appraisal in North Texas | Jeanie Marten Real Estate<\/a><\/li>\n<li><a href=\"https:\/\/www.fastexpert.com\/advice\/what-happens-if-the-appraisal-comes-in-lower-than-the-o-9996\/\" rel=\"noopener noreferrer\" target=\"_blank\">Fastexpert.com \u2014 What happens if the appraisal comes in lower than the offer I &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/www.nerdwallet.com\/mortgages\/learn\/low-home-appraisal\" rel=\"noopener noreferrer\" target=\"_blank\">Nerdwallet.com \u2014 How to Challenge a Low Home Appraisal &#8211; NerdWallet<\/a><\/li>\n<\/ul>\n<\/div>\n<\/footer>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Process \u00b7 Guide When an Appraisal Comes in Lower Than the Offer What Is a Home Appraisal? What Should a Buyer Do When an Appraisal Comes in Low? Reasons a House Appraises Lower Than Expected FAQs A low home appraisal in Texas doesn&#8217;t have to kill your deal. Buyers and sellers typically have four paths [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":8901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,64,30],"tags":[],"class_list":["post-8900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying","category-lrg-blog","category-sell-your-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Appraisal Came in Low? What Texas Buyers and Sellers Do Next (2026)<\/title>\n<meta name=\"description\" content=\"Your Texas home appraisal came in below the contract price. 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