I suspect you are the buyer since your other questions relate to typical Buyer questions.
The List Price has NO bearing what so ever on the final sales price. The ONLY thing that matters is what the actual fair market value of the proeprty is, based on homes that are similar to the subject property within 1 mile that have closed in the past 3 months.
Remember, the bank is NOT approving the sale price - they ARE approving the amount of LOSS they are willing to accept based on the loans they currently hold. The bank will provide guidance on items they will not allow to be paid from the proceeds of the sale which would increase their loss, such as delinquent HOA fees, Repairs, etc.
The bank(s) will always have a Broker and an Appraiser provide opinions of value to simply ensure the property is not being sold at too low of a price, too high of a price, but at market value, again based on current sold comparables.
Always use a REALTOR.
Best of luck,
Broker / Owner & Certified HAFA Specialist
Thom Colby Properties
Newport Beach, CA
Moving Lives Forward (TM)
We NEVER DOUBLE-END Transactions in our Brokerage. There is NO benefit to the Seller or Buyer and only benefits the Agent. Also, NEVER use your RE Agent / Broker as your Lender or vice versa. Also, be careful when using Real Estate Broker-owned Escrow and Title Companies - they can be loads of trouble.
888-391-5245 Direct Cell