In my opinion I would still go ahead and buy it! If you were buying purely for investment purposes then I would re consider, as when you are buying investments you are looking to make some money in the near future.
When it comes to a house that you live in what price can you put on that? If it ticks all the boxes you should be happy! Remember an appraisal is not a true reflection of what you would get for the house. They are generally put in place to protect the banks in case you default so they can make their money back! I have been investing for many years and I have yet to agree with a banks valuation on any of my properties - and have proven them wrong many times when I sell them.
If you can afford the extra 10k - buy it and start enjoying it!
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