Yes, add the closing cost to the sales price. The cost to you in payment is minimal. The freedom it gives you to manage the money you would have had to use for closing is optimum. It is a great question. I hope that you are getting the answers you need to make the best decision for you. Good Luck!
You want to have your closing costs estimated right away' then you can adjust the sellers offer. If the extimated closing costs are only $9,000 you may want to pay only $268 with just $9,000 in cosing cost credits.
I repeat it almost always better to take the closing cost credits.
At 269k you are borrowing from yourself (Higher mortgage amount), giving a higher payment. However, if your cash is invested and has a higher return then the interest rate/increased payment on your loan maybe the higher mortgage amount is OK. Consult with a tax advisor.
Also, higher sell price yields more property tax as a norm. Lastly, will your closing cost be 10K or more? If not, can you use them somewhere else?