What to do with 3.5% closing costs offered on Fredie Mae houses ?

What to do with 3.5% closing costs offered on Fredie Mae houses ?
I think normal closing costs are around 3%, so what to do with remaining .5% ?
Update: Sorry, Let me explain agaign, Fredie Mae is offering to pay upto 3.5% in closing costs, Typically closing costs are 3% , so can i use the remaining .5% to buy some points ?
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