diff --git a/apps/web/process/recalc/validation.ts b/apps/web/process/recalc/validation.ts
index df8fde0..93738bd 100644
--- a/apps/web/process/recalc/validation.ts
+++ b/apps/web/process/recalc/validation.ts
@@ -154,9 +154,8 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
         });
 
         if (
-          quote?.evo_approved_first_payment &&
-          quote.evo_percent_subsidy &&
-          firstPaymentPerc < quote.evo_approved_first_payment + quote.evo_percent_subsidy
+          firstPaymentPerc <
+          (quote?.evo_approved_first_payment || 0) + (quote?.evo_percent_subsidy || 0)
         ) {
           ctx.addIssue({
             code: z.ZodIssueCode.custom,