There are many great loan programs out there for buyers including loans for first-time homebuyers, FHA, and VA loans, all with their own set of underwriting guidelines for downpayments. One thing we do know for sure is that a new real estate law may require you to pay your real estate agent their commission if the seller does not agree to pay it. Here is an example: If an average single-family home is selling for $400k, you can expect to pay 3% to your buyer’s agent. It is unusual for many people to have an extra $12k for more out-of-pocket closing costs. This can make those already limit. funds- even more limited and could potentially put your loan at risk! Our team of attorneys and real es! e professionals are your solution. Res/Direct gets paid out of the title fees that you are already required to pay at closing, not adding another layer of cost for you.