... So now its today, 11/22/17 and i figure out i want to go ahead and import my private keys into Electrum. I opened a new wallet, I find online how to extract them using an offline tool. I had to do this because Multibit HD uses Bip32, Electrum uses Bip39....
This is where you went wrong. You did NOT have to use the offline tool. You can import your MultiBitHD wallet directly into Electrum using your 12 word mnemonic phrase...
File -> New\Restore -> I already have a seed -> Enter MultiBitHD seed, click options, select BIP39 -> set the derivation path as m/0'
Watch this:
https://www.youtube.com/watch?v=E-KcY6KUVnYI suspect the reason your current balance is off, is that you failed to export your "change address" private keys. Did you set the "offline" tool to use an "External/Internal" value of 1 to generate "change address" private keys?
This for "receive" addresses:
![](https://ip.bitcointalk.org/?u=https%3A%2F%2Ftalkimg.com%2Fimages%2F2023%2F11%2F15%2FzO5Oz.png&t=663&c=T9PiwtZ28V6gEw)
This for "change" addresses:
![](https://ip.bitcointalk.org/?u=https%3A%2F%2Ftalkimg.com%2Fimages%2F2023%2F11%2F15%2FzO9C2.png&t=663&c=HuQ92MjoNcxOyA)