HUD & VA Question

I would just like some confirmation on HUD so I'm straight and some info on VA %'s. HUD- If I take a property being sold after foreclosure, they have to net 87% of asking price. so if a property is listed at 100k i should offer 87k to be accepted, and the other 5% they would pay in closing costs or comissions??? Can I offer 82k and pay all closing and be accepted? If its pre foreclosure they wont SS below 82% "as-is" value based on their BPO, and I pay all closing costs, and no REA comissions are involved. VA- dont hear much talk about VA. What are the %ages for VA. Please correct my dazed and confused state of mind. Thanks. Tim[ Edited by bgn2fsh on Date 07/15/2003 ]