Did you position the BitZero at the corner and probe all 3 axes? See:
You would be 3mm too low if you position it at a corner and probe for Z only.
How accurate was the measurement of your stock?
If you instead set the origin at the surface of the MDF and jog up by the stock thickness as specified in Carbide Create and then set zero there, where is that in relation to the top of the stock?