What the Changes in Buyer Agent Commissions Really Mean for You

In recent months, the real estate industry has seen one of its biggest shifts in decades—especially when it comes to how buyer agent commissions are handled. If you’ve been browsing homes or talking to agents lately, you may have heard some buzz about these changes, particularly those connected to the National Association of Realtors (NAR) settlementand the updates to how commissions are displayed and structured.

What Changed?

Historically, seller agents would list a property and offer a commission to the buyer’s agent, which was paid out of the seller’s proceeds at closing. This arrangement made it easier for buyers to work with an agent at no direct cost. However, under the recent changes:

• Buyer agent commissions are no longer required to be offered on the MLS.

• These commissions may not be as clearly displayed upfront.

• Buyers and agents now often discuss and agree on compensation in writing before home tours even begin.

How Does This Affect You as a Buyer?

The biggest misconception is that buyers now always have to pay their agent out of pocket—that’s not necessarily true. What’s actually happening is a shift in transparency and strategy.

From what we’re seeing on the ground today:

• Many sellers are still offering buyer agent commissions—just not always publicly advertised.

• In many cases, your agent can negotiate to have your commission fully or partially covered by the seller as part of your offer.

• Certain loan programs or grant options may allow commission costs to be folded into closing.

That means in practice, you can still have a professional advocate by your side without paying out of pocket, if your agent knows how to structure the deal the right way.

Why Choosing the Right Agent Matters Now More Than Ever

This shift has put more weight on who you work with—not just to find the right property, but to navigate the financial side of your transaction wisely.

A great buyer’s agent today:

• Knows which sellers are still offering full or partial commission coverage

• Can negotiate to protect your bottom line

• Understands financing options that can offset out-of-pocket costs

• Will walk you through a buyer agency agreement so you know exactly what to expect from the start

This isn't just about showing homes anymore—it's about helping you get to the finish line strategically and cost-effectively.

Final Thoughts

This new era of home buying doesn’t have to be more expensive or confusing. With the right agent and the right strategy, you can still move confidently—often with your commission fully covered—and find the right home without unexpected hurdles.

Let’s talk—your home goals are still within reach.