At low concentrations of aqueous $\ce{NH4HF2}$ $(w = 1–2\,\%)$ $\mathrm{pH}\approx 3.$
But aqueous $\ce{NH4F}$ $(w = 20–40\,\%)$ has $\mathrm{pH}\approx 7.$
Yet the equilibria of
$$ \begin{align} \ce{HF &-> H+ + F-} &\quad K &= \pu{6.85E-6 M} \tag{1} \\ \ce{HF + F- &-> HF2-} &\quad K &= \pu{3.963 M^-1} \tag{2} \end{align} $$
I understand that $\ce{NH4F}$ comes from a weak acid and a weak base. So, the $\mathrm{pH}$ is around neutral. I don't understand how this equilibria makes $\ce{NH4HF2}$ more acidic. Does the second equilibria make the $\ce{HF2-}$ a stronger acid? I'm having a hard time understanding this.