The bank will only buy in for $ 281,000 not a penny more.
With this in mind, I would suggest a offer below but near $ 281,000.
We are in a buyers market, in a declining market.
If you buy at $290,000 you would own a home worth less ($9,000) than you just paid at closing. Would you buy a car with a list price of $30,000 for $32,000? Might you try to buy it for less?
Suggest you find a local Realtor to help you buy a home. They should cost you nothing to little and they should know the ropes.