There are a few lenders that are offering to pay for it to entice you to use their services. Let me know if I can help you.
The appraisal itself belongs to the lender. In this case this is your lender. If you move lenders, you will need either a new appraisal or to have the existing appraisal transferred to the new lender at nominal cost. While you are entitled to receive a copy of the appraisal, you can't pay for one and take it to other lenders (without paying another fee). FHA is an exception. An FHA appraisal is valid for up to 6 months and has a file number attached to it so that it is portable, sort of. Ask your loan officer.
Bottom line is that you, the buyer, pay for the appraisal.
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