Durb, do you still have your 20 gal filter in the tank? If so are you planning on removing it or leaving it? If you have it in there still and plan to remove it, i'd recomend waiting until you remove it and have the tank stable for a couple of weeks.
The pH difference is likely from a lower kH. Just an example of what KH can do...my tap water has a very low KH, but comes out of the tap at 9+++. After a few hours it will go down to around 8.0. At the end of the week, my pH will be between 7.4 and 7.6