Your script
Thank you for the offer — I want to work with this team. Based on what the role covers and what comparable roles pay, I was targeting $108,000. Your offer is at $95,000. If you can meet $108,000, I will sign today. If base is fixed, I am open to closing the $13,000 gap another way: a signing bonus, an extra week of leave, or a written six-month review with a defined increase.