Hi Sandy- You may need some help with this- which may get you into this for less. I know a couple people if interested.
It goes all over the place- and is really a case by case basis- and many times there is no rhyme or reason for the bank's loss mitigation department's decisions on what they'll let it go for.
How long has it been listed for sale?
In some cases I've heard of bank's taking 40-50% on what they're owed... But that is no given.
Thanks and good luck,

Ken L.

is this a bank owned home? a short sale?

Hi, who are you going to negotiate? To the lender/mortgage holder/bank? Most REO properties are listed at close to acurate or requested price. You can always offer what you think the property is worth. REO do not care about your estimates, those companies care about thier bottom line. Their net money at closing.

You can always negotiate.