Also, credits like these will be subject to lender limits, so you would want to make sure you understood that.
Not Really. Let me explain the process here in PA for you. When you purchase a home that is listed by a Realtor, you are not paying the commission to them, the seller is. The Seller and the Listing Agent already have a contract stating that the seller is paying a certain percentage to the Listing Agent's office, then the Listing Agent's office makes a written agreement with the Buyer's agent to pay them a portion of that amount. So whether or not you make a deal with the buyer's agent the Listing Agent's office is still getting the full amount of commission agreed upon by the seller.
Also in PA you can only pay the Broker, not the agent. Good luck with your purchase.