The Commission Landscape Has Changed
If you’re planning to buy a home in Washington, D.C., Maryland, or Northern Virginia, it’s important to understand how buyer’s agent commissions work—especially now.
As of mid-2024, significant industry changes mean that Multiple Listing Services (MLS) no longer display the buyer agent’s commission. More importantly, buyers are now responsible for negotiating and paying their agent’s fee directly—not the seller.
Let’s break down what this means, how it works, and what to expect moving forward.
What Is a Buyer’s Agent Commission?
A buyer’s agent commission is the fee paid to the licensed real estate professional representing the buyer in a transaction. This is typically 2.5% to 3% of the home’s sale price, but the exact rate depends on your agreement with your agent.
Previously, this fee was usually paid by the seller as part of the listing agreement. That is no longer the standard.
Who Pays the Buyer’s Agent in 2025?
Now, the buyer pays. As of 2024, MLS systems—like Bright MLS used in the DC-MD-VA region—no longer allow the seller’s agent to advertise compensation for the buyer’s agent. This means the responsibility to pay the buyer’s agent has shifted squarely to the buyer.
While this may seem like an extra cost, the value of having a dedicated agent—especially in high-stakes markets like D.C. and Northern Virginia—cannot be overstated.
An Agency Agreement Is Now Required Before Showings
This is a critical update:
Buyers must now sign a formal Buyer Agency Agreement before viewing any properties.
This agreement outlines:
- The agent’s role and fiduciary duties
- The agreed commission amount or structure
- Whether the agent expects the seller to contribute (if negotiated)
- The timeline and geographic scope of the relationship
No more “just browsing” with multiple agents—buyers must formally commit before touring homes.
What If You Can’t Afford the Buyer Agent Fee?
Understandably, some buyers are concerned about how this impacts affordability. Here are your options:
- Negotiate seller concessions: While not advertised, a buyer can request the seller to cover part of their agent’s fee through closing cost assistance.
- Add it into your loan: In some cases, lender-approved fee structures can allow you to finance the agent’s commission as part of your mortgage.
- Work with an experienced agent: A seasoned buyer’s agent can often negotiate more favorable purchase terms, saving you more than the commission itself.
Transition: Bottom line? While you now pay your agent, you’re also in control of what you pay—and who you hire.
Why a Buyer’s Agent Is Still Worth It
Buying a home is one of the most important financial decisions you’ll make. A skilled buyer’s agent helps you:
- Analyze neighborhoods and market conditions
- Craft competitive offers
- Navigate inspections and contingencies
- Avoid overpaying or buying the wrong property
- Negotiate repairs, credits, and closing terms
A great agent doesn’t just help you find a home—they help you win one under the best possible terms.
Final Thoughts: Know What to Expect Before You Buy
Real estate in D.C., Maryland, and Virginia is evolving—and so are the rules around commissions. As of 2025:
- Buyers must have a signed agency agreement before showings
- Buyers are now responsible for their agent’s commission (typically 2.5–3%)
- MLS listings no longer display buyer compensation
Being informed and proactive will ensure a smoother, more confident homebuying experience.
Ready to buy with a pro by your side?
👉 Schedule Your Buyer Consultation Today
Let’s talk strategy, costs, and how to navigate the new landscape together.
