Murrieta, CA · Selling and buying at the same time

Commission comes out of your Murrieta sale proceeds at closing, and since 2024 the buyer’s side is negotiated separately from yours.

Sellers still typically fund the commission out of the closing proceeds, but the 2024 NAR settlement changed how the buyer’s agent gets paid and what is automatically bundled into your listing. That changes what you should ask your agent before you sign.

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The answer

The direct answer

Commission is still typically paid from your sale proceeds at closing, not out of pocket. Since 2024, MLS listings can no longer automatically bundle a set buyer agent commission offer, so that number is now a negotiated line item, not an assumed percentage. It comes off your net proceeds, which affects what you can put toward your next home.

What changes the answer

How much is real estate commission in 2026?
Does commission come out of my sale proceeds or do I pay it separately?

Each one is answered further down this page, and any one can move the outcome on a specific file.

The local number: Murrieta homes sold at a 100% sale to list price ratio in June 2026, meaning sellers here are generally netting their full asking price before costs, a different starting point than a market where sellers are routinely negotiating price reductions on top of commission.
Rule and source: Realtor.com local market panel, Murrieta CA, June 2026 data
Last verified: September 1, 2026

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Answered by Nick Nagy · 23 years · NMLS 314880 · CA DRE 01444600 · Mortgage financing through Loan Factory, 237 lenders · Run this answer against my numbers →

Part of the California Mortgage Answer Desk, and of the Murrieta questions.

How it works

The mechanics have not changed, the negotiation has

Commission is still paid out of the proceeds at closing rather than as a separate bill you write a check for. What changed after the 2024 National Association of Realtors settlement is that a seller is no longer required to make a blanket offer of compensation to the buyer’s agent through the MLS. That offer is now a specific, negotiated decision rather than an industry default.

In practice this means the conversation with your listing agent should include a specific number for what you are offering a buyer’s agent, if anything, and why. It is not automatically the same figure it would have been before the settlement.

The detail that matters

Nationally the number has moved, and your specific number is negotiated

Nationally, total commission on a home sale has run in the 4 to 8 percent range with the average closer to the middle of that band, split between the listing side and the buyer’s side. That is national data, not a Murrieta figure, and your specific rate is a conversation with your listing agent, not a fixed industry rule.

The number matters because it comes straight off your net proceeds. A one percentage point difference on a $700,000 sale is $7,000, which is real money whether it is funding your next down payment or just staying in your pocket.

How it works

Why this matters to your next purchase, not just this sale

If you are selling in Murrieta to buy your next home, your net proceeds after commission and closing costs are what fund that next down payment, whether you are buying locally or moving. A clear number on commission before you list lets you plan the next purchase against a real figure instead of an estimate.

This is also exactly where a buy-before-you-sell structure matters, because it lets you use your current equity to buy the next home before this sale even closes, on a timeline you control rather than a rushed one. See the buy before you sell guide for how that sequencing works.

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Where this question came from

Someone asked this in public

Who pays the real estate agent commission fees
Opendoor, captured 2026-08-09 (national data, not Murrieta-specific)

If nobody gave a straight answer in that thread, that is not the person missing something. The answer depends on a specific file and a specific address.

Who answers

Nick Nagy

23 years in California lending · NMLS 314880 · CA DRE 01444600 · Loan Factory, Inc.

Dual licensed, so the loan side and the real estate side of a move get looked at as one problem instead of two. Most of what goes wrong in a move is a timing problem wearing a financing costume, and it is cheaper to catch it before you write an offer than after.

Financing is placed through Loan Factory, Inc. Real estate work is under CA DRE 01444600. More about Nick.

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The desk behind the file

One file, 237 lenders competing for it, and a broker who has done this for 23 years.

Loan Factory, Inc. is the brokerage. These are its published figures.

20,907+Loan Factory Google reviews

5.0Loan Factory average rating

237Lenders available through Loan Factory

48States Loan Factory is licensed in

A retail bank has one guideline book. A broker shops the same file across the shelf and finds the lender whose box it already fits.

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Straight answers

Questions people here actually ask

The follow-on questions, answered in the order they get asked.

Who pays the real estate agent commission fees

The seller typically funds commission out of the sale proceeds at closing, not as a separate payment. Since the 2024 NAR settlement, a seller is no longer required to make a blanket buyer agent commission offer through the MLS, so that figure is now a specific number you negotiate with your listing agent rather than an assumed industry percentage.

How much is real estate commission in 2026?

Nationally, total commission has run in roughly the 4 to 8 percent range with the average closer to the middle, split between the listing side and buyer’s side. That is national data. Your specific rate on a Murrieta sale is set in your listing agreement, not by an industry average.

Does commission come out of my sale proceeds or do I pay it separately?

It comes out of your proceeds at closing. You do not write a separate check for it at the table. It reduces what you net from the sale, which is why the specific percentage matters to what you have available for your next purchase.

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