What Does A Real Estate Appraisal Cost In Fayetteville In 2026?

For a VA loan appraisal in Fayetteville, NC (Cumberland County), the VA appraisal fees and timeliness table effective May 1, 2026 lists fees of $800 to $950, depending on the property type.

Why VA Appraisal Fees Matter

VA appraisals are governed by a published VA fee schedule, so the price is not random or left entirely to individual appraisers. For Fayetteville homeowners, buyers, and agents working with VA loans, this schedule gives a clear baseline for what to expect and how to budget.

VA Appraisal Fee Schedule For Fayetteville (Cumberland County)

The VA’s appraisal fees and timeliness table, effective May 1, 2026, lists Cumberland County under North Carolina in the row “Avery, Ashe, Cumberland, Currituck, Dare, Harnett, Hoke, Jackson, Johnston, Lee, Macon, McDowell, Mecklenburg, Moore, Onslow, Swaine, Union, Wake, Watauga, Wayne.” That row reads:

Property type	VA fee, effective May 1, 2026
Single Family	$800
Individual Condominium	$800
Manufactured Homes	$850
2-4 Unit Multi-Family	$950
Appraisal Timeliness (Business Days)	9 business days

These are VA-loan fees only. They apply to appraisals for VA home loans and do not set the price of a private, divorce, estate, cash or conventional appraisal.

What A Fayetteville VA Appraisal Includes

For a typical VA appraisal in Fayetteville, the fee covers a comprehensive review of both value and minimum property requirements. The appraiser will:

• Inspect the property’s interior and exterior, confirming overall condition and habitability
• Analyze recent comparable sales in Cumberland County and nearby neighborhoods
• Verify square footage, bedroom/bath count, site size, and key improvements
• Note any obvious safety, structural, or livability issues that might require repairs before closing

The final product is a standardized report (e.g., Form 1004, 1073, 1004C, or 1025) that supports the lender’s decision on value and VA eligibility for the property.

Lenders sometimes add administrative or credit report fees separately, so it’s important to distinguish appraisal fee from total loan closing costs when budgeting.

Who Pays The Appraisal Fee In Fayetteville?

In a typical VA transaction in Fayetteville, the buyer is usually the one paying the appraisal fee as part of their closing costs, even though the appraisal itself is ordered through the lender. However, in competitive situations—or when negotiating concessions—sellers sometimes agree to contribute toward closing costs, indirectly covering some or all of the appraisal expense.

For refinances, the borrower almost always pays the appraisal fee, but the cost is similar to a purchase appraisal for the same property type.

Appraisals That Are Not For A VA Loan

For any appraisal that is not for a VA loan, the fee depends on the property and the purpose of the appraisal. Before any work begins, we give you a written, property-specific scope and fee. Call us at 910-900-5100 or use our contact form.