USDA rural home loans leave agent commissions out of the 6 percent seller cap
In the USDA guaranteed rural home loan program, real estate commission fees no longer count toward the 6 percent limit on what sellers and other interested parties can contribute. That leaves sellers more room to cover a buyer's closing costs, repairs and other allowed costs.
Who it affects
Rural homebuyers using USDA guaranteed loans, home sellers and lenders
When
This rule takes effect on November 9, 2026.
- : Published in the Federal Register; This rule takes effect
Official text
FR Doc. 2026-22772: Single Family Housing Guaranteed Loan Program-Limited Party Concessions
On Federal Register. The official text is what counts; read it before you act.
Not legal advice. Plain-English summaries to help you find what changes and when. Not legal advice: read the official text, and ask a lawyer about your situation.