08/12/2026
Buying a home already comes with enough upfront expenses.
Here’s one option many buyers may not know exists.
In eligible situations, the buyer agent fee may be financed directly into the mortgage instead of being paid entirely out of pocket at closing.
That could mean financing up to 3% of the loan amount for the buyer agent fee.
For buyers trying to preserve cash for their down payment, closing costs, moving expenses, or simply keeping more money in reserve after purchasing, that flexibility can make a real difference.
It’s also something real estate agents should know about.
If a buyer is concerned about how their agent’s fee will affect the cash they need to close, don’t automatically assume the deal has to stop there. There may be another way to structure the financing.
A lot of my work comes down to exactly this: understanding the options that aren't always obvious and finding the right structure for the individual buyer.
Have a buyer facing this situation?
Send me the scenario. I’m always happy to take a look.
