Imho. If you would have gone with the original plan for remodel, and placed the sink outside of the closet/space containing the toilette, the functionality of the half bath is still there.
Would it be nice to have a sink inside the room with the toilette so you can wash your hands before you touch the door? Of course, however the space is still functional as a half bath. Many homes have the toilet inside of a closet with the bathroom vanity/counter just outside, and you're plan isn't any different.
Sometimes in the world of appraisal and lending we can get hung up on a concept and miss the big picture. For example, who has ever looked into a bedroom and said "it doesnt have a closet I cant sleep here", but even if it isn't called a bedroom in the report, it is still included in the overall GLA so the difference in value if any would be indiscernible.
Any good appraisal, and any good lender/loan officer wants to make sure the deal is fair to all parties concerned, and wont hit you much if at all for the location of a wash basin.
