Calculate an appraisal expiration date, validity period, or appraisal date from any two inputs and see the missing value in days for appraisals.
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Appraisal Expiration Date Formula
The appraisal expiration date calculation uses simple date arithmetic. You enter any 2 values, and the missing value is calculated from them.
- Appraisal Date is the date the appraisal is issued or dated.
- Expiration Date is the last date the appraisal is valid based on the chosen validity period.
- Validity Period is the number of calendar days between the appraisal date and the expiration date.
If you enter the appraisal date and validity period, the calculator adds the number of days to find the expiration date. If you enter the expiration date and validity period, it subtracts the number of days to find the appraisal date. If you enter both dates, it counts the number of days between them to find the validity period.
Common Appraisal Validity Periods
Actual appraisal validity depends on the lender, loan type, investor rules, and whether an update or recertification is required. The table below shows common day ranges used for general reference.
| Validity period | Common use | What it means |
|---|---|---|
| 90 days | Shorter lender or internal review windows | The appraisal may need review or updating after about 3 months. |
| 120 days | Common mortgage appraisal window | The appraisal is valid for about 4 months from the appraisal date. |
| 180 days | Extended review period or updated file | The appraisal may remain usable for about 6 months if allowed by the lender. |
Date Counting Reference
| If you know | Leave blank | Calculation performed |
|---|---|---|
| Appraisal date and validity period | Expiration date | Adds calendar days to the appraisal date. |
| Expiration date and validity period | Appraisal date | Subtracts calendar days from the expiration date. |
| Appraisal date and expiration date | Validity period | Counts the number of days between the 2 dates. |
Examples
Example 1: Find the expiration date
You have an appraisal date of 2026-01-10 and a validity period of 120 days.
The appraisal expiration date is 2026-05-10.
Example 2: Find the validity period
You have an appraisal date of 2026-03-01 and an expiration date of 2026-06-29.
The validity period is 120 days.
FAQ
Does the appraisal date count as day 1?
This calculator measures the number of calendar days between the appraisal date and expiration date. For example, adding 120 days to January 10 gives May 10. If a lender counts dates differently, use the lender’s rule for the official deadline.
Is an appraisal always valid for 120 days?
No. A 120-day period is common, but appraisal validity depends on the loan program, lender requirements, market changes, and whether an update is needed. Always check the requirement that applies to the file you are working on.
Can an appraisal be used after the expiration date?
Usually, an expired appraisal cannot be used without further action. A lender may require an appraisal update, recertification, new inspection, or a completely new appraisal depending on its rules and the amount of time that has passed.