First of all; that reply about 94-100; was that in writing?
If it was verbal; who said it?
My guess is that the Listing Agent said it to you, and nothing is in writing.
Am I right?
I would bet that the person at the Bank who said that, meant that they would accept $94,000 As-Is with no Closing Costs.
If you wanted to include some Closing Costs and/or repairs, they wanted to see $100,000.
Talk about it with your Buyer's Agent.
Good luck and may God bless