Banks are in the business of making loans and opening accounts, not owning real estate and acting as property managers. So the list price is a starting point for negotiations, but there are several things to consider: 1) How long has it been listed 2) How much competion is there to the property 3) What is the condition of the property?
Generally the longer it has been on the market, the more competition there is, and the worse the condition, the more willing a bank is to negotiate. An agent in my office had a REO listing where the foreclosed owners took the cabinetry, granite counters, toilets, and cut out large sections of the wall to wall carpeting before fleeing into the night. After 90+ days with a place that showed liked it had been robbed, the lender got very flexible on price and ultimately sold the property.
Those listings that are in the multiple listing system for Northern Virginia include an offer of compensation to the agent that brings the buyer, so that will be paid for by the seller.
Beware the dreaded Bank Addendum! They vary from bank to bank and often will transfer fees that are normally paid for by the seller over to the buyer such as the; Grantors Tax ($1 per $1000) or the cost of HOA or condo documents, etc. Often, trying to get the addendum prior to making an offer is impossible. I've never heard of a property in this area where the bank was willing to cover your closing costs, so I wouldn't count on it.
One final thing, these properties are sold "As-Is", so you may want to have the home inspection done prior to making an offer, as you generally won't be able to change the price after the offer is ratified.