You are correct in your understanding that you will pay if your buyer's agent cannot collect the fee from the listing agency.
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Obviously if it is listed they have to offer a co op% or (pay the buyers agent) The only circumstance that I can imagine would be a hard headed FSBO that refused to pay a Realtor. I try to build a relationship with the buyer and assume that the lack of payment from the seller to me would just be reflected in the offer price.
Typically, the Buyer's agent does all the work for the buyer and is paid by the Seller. When you are looking at properties, you should know ahead of time whether the Seller is offering to pay the commission-it's stated in the Multiple Listing Service. If it is a For Sale By Owner, have your agent ask them first if they cooperate with Realtors. If not, then you make the call if you still want to see the property or not. If you choose to, and you decide to purchase that one, you will be the one paying your Realtor's commission. It is part of the Buyer's Representative Agreement as a way of the Buyer's agent being protected that after all their work, and the deal closes, they will get paid.
Hope that helps,
If you still get the money you oriiginally wanted, you may want to consider paying the 6%, give up some money to make sure you sell.
Before you do that, go back to your sellers agent and talk to them about what they normally pay other agents for a commission, and work off from there.