A water fall filter is any filter that dumps the water back into the tank in a falling, splashing fashion. This agitates the surface of the water, introducing extra oxygen into the water as it does. I sometime lower the level of water in my tanks when it is warmer, causeing more splash and more agitaion - meaning more oxygen.
You can certainly add more cool water, but realize that you will have to add a very large amount ot really have much effect on the overall water temperature. I could do the calculations for the degrees needed or volume of degrees needed for you to lower the temp but a certain amount, but suffice it to say, you would either have to add very cold water or a very large volume of cool water to the tank to make much difference.
If you have female fish, adding cold water to the tank may induce egg drop.
Do not drop the temp of the tank more than 2-3 degrees at one time - it is too stressful. (IMPO).
At 28C., simply upping the amount of oxygen, by surface agitation, a fan across the surface, and/or extra air features should be more than enough to help your fish handle the temps. Water is commonly raised to 80-82 F. (26.6- 27.8 C) for medical treatment and to speed up the life cycles of various parasites to aid in killing them. This temp does no harm to the fish. Your bacteria in your cycle will LOVE the extra degrees.