Oct 30, 2026 17 min read
Low Appraisal in North Carolina: Appraisal Gaps, Cash to Close, and Your Options
Imagine you're buying a home near Wade Avenue in Raleigh. The seller accepted your $500,000 offer, you've arranged a mortgage, and you're expecting to contribute $100,000 toward the purchase price.Then your lender delivers the appraisal: $475,000.The house hasn't changed. Neither has the price in your signed contract. But the lender now has a valuation that's $25,000 below what you agreed to pay.