Adam says that it keeps resetting it to 20 or it won't take.

Theme issue maybe?

There is an in-line min-height set to 20px in the first div of [form-name].html:

<div class="fb-form-header" id="fb-form-header1" style="min-height: 20px;">

There is also a 10px top padding in default.css (line 134 in the case I'm looking at):

#docContainer #fb-form-header1 {
height:5px;
padding-left:10px;
padding-top:10px;
}

You could adjust either or both of the above to reduce the 'empty space' at the top of the form.