Another Mortgage Fraud Question

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I have a property for sale and I am in the process of submitting counter offer #3.
In a nutshell,
My asking price was $113,500.
Based upon the recent sales in the area, I am a tad high on my asking price
and have room to negotiate.
The most recent sale was 6 houses down the block. It was a newer home with less square footage and fewer annuities and it sold for $107,000.
The buyer offered $98,000 for my property.
I countered at $105,000. (I am certain that the appraisal will be higher than this asking price).
On counter offer #2, the buyer has offered $102,000 with a contingency to have the pool uncovered for inspection.
The pool is inground with a liner that is over 10 years old. It drops approx. 1-2 inches every 2 days.
The liner itself does not look bad, but it does seem to have pinholes that
are obviously leaking. I patched several and I probably should have replaced the liner, but I did not.
Regardless, this brings me to counter offer #3 and my original concern.
My last counter stated that I still want the $105,000 sales price, but I
also stated that I agreed to the pool inspection and if the buyer feels that
a new liner is needed, I will pay the buyer $3000.00 at closing.

Someone said that this counter offer might be considered mortgage fraud, since I am willing to credit $3000.00 back to the buyer at closing.

Based upon my intent, could this be considered as mortgage fraud?
If so, what could I do differently and obtain the same results?

Your wise advice is appreciated.