Realtor told me bank may require full offer & I'd have to pay it out of pocket. Advice?A realtor who has been working with REO's for 5 years with the same bank told me that she has seen the bank hold the buyer to the offer price. At that point, the buyer would have to come out of pocket to make up the difference between the agreed upon appraisal and the offer price. If not then I'd lose the $ I put down for escrow.I'm afraid of offering too much or the appraisal coming in to low. I don't want to have to put any more out of pocket than the down payment and closing costs. Any suggestions? Thank you! November 03 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.