Wow...talk about some catty answers below. Sheesh! Sheath your claws, people! The woman wants to know how much she has to put down to get the house. You guys are not taking into account that she may have a tidy sum of cash put back somewhere and is able to PAY for the difference in that $216,000 and that $239,000. All Cynthia wanted to know was how much she would have to put down.
Cynthia, we can all better answer your question if you can tell us the type of loan for which you are pre-approved. Regardless, you will have to pay the difference between the amount for which you are qualified and the maximum loan amount. For instance, if you are qualified for an FHA loan for $216,000, then the max purchase price would be $223,834 (which leaves you with $215,000 for your loan at 96.5% LTV) and you would have to come up with the difference between that amount and the $239,000. Conventional loans such as Fannie Mae MyCommunity can go up to 97% LTV (with a $222,680 purchase price to keep the loan at $216,000) and you would probably be better off going this direction if you qualify for that program since FHA is going to now have permanent mortgage insurance for the entire life of the loan, It would be well worth the extra $1300 at closing to go Conventional if at all possible since the monthly mortgage insurance on an FHA through the entire life of the loan will add up to thousands of dollars more over the life of the loan.
And I completely agree with Jennifer Duaine that all lenders are not the same. Go with one whom you feel has your best interests at heart and is not so willing to openly tear into the competition on a public forum like this one. But in pointing that out, that probably makes me no better than them...but I felt it had to be said. Good luck with your home purchase!