For a discrepancy like that you'd need to initiate a value dispute with supporting documents to even have a chance or try to get the servicer to order a new value.

A quick look at the numbers and I think I know where the discrepancy is.

I let her know my concerns about what we discussed on the minimum down for conventional, and she said that 5% conventional is doable if my credit is good enough, which she believes it will be.How do you think I should handle the discrepancy?

I have theories why the big discrepancy on listing versus sold prices.  

You have some VERY blatant red flags going up.1) your numbers don't work2) large discrepencies between rent pricesThere was a post on here a little while back about another native Philippians having some condo's that he bought for "investment" years.

Affected Taxpayers are entitled to relief regardless of where the relinquished property or replacement property is located.There are prominent companies in both camps, and of course if you bring this discrepancy to any one of the them, they would say, consult your own CPA.

And as we discussed, measure the results on a yearly basis only on both, to eliminate the discrepancy between valuations (with REITs valued daily, and the core real estate funds only valued quarterly).

@Chris Mason and thank you for answering my initial question regarding an MLO taking a pay cut... so I guess I have no flexability on that end and need to just figure out why there is such a large discrepencies between LE's and total cash to close...

Usually such discrepancies are in “living area” as defined by the appraiser verses “non living area” sf....such as finished basements. 

You answered another question of mine--why the discrepancy in the square footage?