If you're buying a home in 2026, you need to understand what's changed — and what hasn't.
Since the NAR settlement in August 2024, buyers are now responsible for negotiating their agent's commission. Most traditional agents still want 2.5% to 3%. On a $750,000 home, that's $18,750 to $22,500 — money that comes directly out of your deal.
You Have Better Options
Flat-fee brokerages charge a transparent flat fee instead of a percentage. At ShopProp, our buyer fee starts at $1,995. The remainder of whatever the seller offers as buyer agent compensation comes back to you as a rebate at closing.
Here's the math on a $750,000 home with 2.5% offered:
- Traditional agent keeps: $18,750
- ShopProp charges: $1,995
- You receive back: $16,755
That's $16,755 you can put toward closing costs, renovations, or straight into savings.
Managing Broker — Not a Junior Agent
The biggest concern with flat-fee brokerages is service quality. At ShopProp, every buyer works with a managing broker — not a newly licensed agent learning on your deal.
A managing broker has a higher license level, more education requirements, and legal authority to oversee transactions. At ShopProp, that broker has been doing this across 4,000+ deals since 2007.
The Post-NAR Settlement Reality
The Consumer Federation of America reports that the NAR settlement hasn't delivered lower costs for most buyers. That's because most agents haven't changed their fee structure.
ShopProp has been offering transparent flat fees since 2007 — nearly two decades before the settlement forced the conversation. We didn't need a lawsuit to put consumers first.
Compare and Calculate
See exactly how much you'd save: ShopProp Savings Calculator
Compare ShopProp to other brokerages: Best Flat Fee Brokers 2026