Most homes listed on the MLS already offer a commission to the buyer's broker (your broker), so no additional fee will need to be paid (by you).
If, however, you sign a buyer-broker's agreement, there may be a clause that holds you responsible for a commission if the seller isn't offering one (say, in the case of a "for sale by owner").
Speak with your agent for clarification.
Are you looking to buy a house or condo in Monmouth County? As the other 3 agents said, in New Jersey the commission is almost always payed by the Seller, not the Buyer.
My advice: If you find a house that you like on Trulia, DON'T CALL THE LISTING AGENT! Find out why not by reading my blog with that title, listed under "Rumson, NJ".
Leonard â€œLenâ€ Dunikoski, GRI
Diane Turton Realtors â€“ Rumson Office
8 West River Road
Rumson, NJ 07760
(732) 239-0739 (cell) (732) 530-6686 (office)