Maybe you are tenK grand too high on your price. You can either lower your price, or the buyer can come up with 10K somewhere else, or you can renegotiate on some other points. If you have two appraisals, you probably are going to continue to get this sort of price. You might get more by making it a conventional mortgage--they tend to not be quite so tough. That is one reason why a lot of times a seller won't take an FHA loan or a VA loan--tougher standards.