09/14/2026
Who actually pays your agent when you buy a house?
It's the question I get most from buyers right now, and most people are surprised by the answer.
Here's what trips everyone up. When you start working with an agent, you sign a buyer representation agreement, and there's a number on it. A lot of people see that number and quietly assume they now owe it out of pocket at closing. That's usually the moment I end up explaining this, sitting at someone's kitchen table.
So here's the short version.
Before August 2024, buyers never saw that number at all. The seller and the listing agent worked out what the buyer's agent would be paid, and it happened in the background. What almost nobody realizes is that the seller was never actually required to pay it. It was customary. It was never a rule.
Two things changed in August of 2024. Compensation can no longer be advertised in the MLS, and buyers now sign a written agreement before touring a home. That's it. The money didn't move — the disclosure did. What used to happen quietly now happens in front of you.
In practice, there are three ways it gets handled. The seller covers it as a concession written into the contract, the listing side covers it, or the buyer pays it directly. In the transactions I've been part of since the change, it's still most often handled in the contract, negotiated in the offer instead of posted where only agents could see it.
And that number on the agreement? It's a ceiling, not a price. I'm not allowed to accept more than what's written there, which is exactly why it gets written the way it does. It's negotiable, and it's a conversation we have before you sign anything. The goal is to solve it inside the deal, not hand you a bill at closing.
If you're buying in Josephine or Jackson County — or you know someone who is — three questions worth asking any agent before you sign: What is the fee. Who is expected to pay it. And how do I get out of this agreement if it isn't working.
Happy to walk through it line by line with anyone who wants to see how it actually reads. Send me a message or give me a call.
General information, not legal advice.