There’s a pretty good chance that our offer will be accepted based on conversations with our realtor. However, I suspect that the appraisal may come in lower than our offer (thanks, housing market). I spoke with our mortgage lender and there may be a way to account for the difference in the appraisal if our payments were a little higher. However, we have enough to cover up to a 10K difference in the appraisal. Should this scenario happen, is it better to cover the appraisal up front or have that included with our mortgage?