Joshua I'm curious why you're trying to find the answer to your question on Trulia. I certainly hope you are represented by a Realtor (who after all costs the buyer nothing) who would know the answer in general and more importantly would have all your contracts, counters and other information at hand. No one on Trulia can give you as good an answer as your Realtor. By the way, the term REALTOR® is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics. If you have someone with a real estate license who's not a Realtor, maybe you don't have the right person.

The banks counter is NOT the same terms. Please look at it carefully for their counter may change your original offer.

Banks have their own paperwork with additional clauses and terms. They're just adding their terms to your offer.