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Asking price was 259.9K, we negotiated a bit and offered full price if the seller replaces the dining room floors or 250K and we would replace the floors ourselves (they need to be replaced). We also asked that closing costs are covered. Seller already stated full closing cost and pre-paid assistance. Seller renegotiated that if we were to offer full price (259.9), then he would give us $3000 cash at closing to get the floors done. We liked the terms and thus proceeded with the contract. Sounded like a done deal, with all parties willing and happy. We got the appraisal yesterday and the house is only appraising at 225K!! The appraiser was a ohio approved appraiser, our loan is also VA. We are afraid that we are now going to lose out on the house! We are a military family and just moved across country, had to stay in hotels and now in an overpriced apartment (availability). We basically drained our savings with this move. With that being said, we simply cannot offer more than the appraisal nor are we able to come forth with what is required for closing costs. Obviously, we would no longer require assistance with the floors, as this is something we could take care of. I feel like the seller is already taking a big enough hit if he sticks to the appraisal. Both parties on running short on time, our lease is up in three weeks and they are in the process of closing on another home. Any advice you can offer would be greatly appreciated! Obviously, we want what is best for both parties. I simply cannot imagine being in the seller's shoes right now... **Side note: our agent is also their agent... I know, not ideal, but it is what it is. We loved the house and she happened to be the listing agent. We love our realtor and wouldn't dream of finding another one. Is this going to bite us in the rear??
Either the seller comes down to 225, or the deal is off. No one will finance a house for greater than appraisal value.