Closing Costs and Points
I was reading that sometimes the seller will pay the closing costs and points. If I am buying either a foreclosure or a REO property, is it legal for to pay those costs. Say I get them to agree to sell me a home for $100,000 and I have financing for a $110,000, and I have to pay at closing $6000 for points and fees, can I offer to raise the $100,000 to 106,000 if they are willing to pay all of the costs at close so that nothing comes out of my pocket.
Sorry if this is a stupid question but thanks for heling out!! 
In California, that is perfectly OK -- but confirm your strategy with your lender. Some lending institutions may require that you pay some closing costs out of your pocket especially if your loan is FHA or CHAFA. A request for 'credit' back during the negotiation stage is an appropriate & commonplace practice. Good luck!