Choose the expiration date, validity period or appraisal date to calculate, then enter the other two values. This is calendar-day arithmetic, not a determination that an appraisal is acceptable to a lender.
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Appraisal Expiration Date Formula
The appraisal expiration date calculation uses simple date arithmetic. Choose the value to solve for and enter the two displayed inputs.
- Appraisal Date is the effective or other starting date specified by the applicable lender or program rule.
- Expiration Date is the date produced by adding the entered calendar-day period; confirm the official deadline with the lender.
- 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.
Illustrative Calendar-Day Periods
Appraisal acceptability depends on lender and program rules, the effective date, market changes and any required update. The table below illustrates day arithmetic only; it does not prescribe a validity period. A rule stated in calendar months is not interchangeable with a fixed number of days.
| Validity period | Use in this calculator | What it means |
|---|---|---|
| 90 days | An entered 90-day period | Adds exactly 90 calendar days; not necessarily 3 calendar months. |
| 120 days | An entered 120-day period | Adds exactly 120 calendar days; not necessarily 4 calendar months. |
| 180 days | An entered 180-day period | Adds exactly 180 calendar days; not necessarily 6 calendar months. |
Date Counting Reference
| If you know | Select Solve for | 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. Validity depends on the program and circumstances. For example, Fannie Mae’s appraisal-age rules use calendar-month thresholds and may require an update; HUD’s FHA Connection guidance describes a 180-day initial period for applicable cases. Confirm the current rule for your file rather than assuming 120 days.
Can an appraisal be used after the expiration date?
The lender must decide whether the appraisal remains acceptable. Its rules may require an update, inspection or new appraisal. A calculated date alone does not establish acceptance or rejection.
