Are you a home buyer or home seller? If you are a home buyer, you aren't paying the commission. You will have closing costs unless the seller agreed to pay your closing costs. If you are a seller, then you will have to pay closing costs and the commission out of your equity unless it is a short sale. If it's a short sale, your lender may end up paying for your closing costs including commissions. Your listing agent should be able to help you get that answered.