Yes, this is generally allowed. Fannie Mae (B3-4.3-21), Freddie Mac, and FHA (Handbook 4000.1) all permit an agent buying their own home to put the commission earned on that purchase toward the down payment or closing costs, documented with a signed statement of the commission amount. Some jumbo and non-agency lenders won't allow it as an overlay, so it depends on your loan type. Confirm the current rules for your specific program before you count on it. One structuring point worth knowing: the commission can often do more work as a credit toward your closing costs than toward the down payment. We had a realtor client do exactly that, applying her commission to cover all of her closing costs, which made sense because her costs exceeded her commission amount. Where the commission lands (down payment versus closing costs) affects your cash to close and sometimes your loan-to-value, so decide deliberately rather than by default. Because the exact treatment varies by program and interacts with interested-party contribution limits, map it out with your loan team before you write the offer so the file is structured correctly from the start. Getting it right up front beats restructuring late, when your commission is already baked into the numbers and the timeline is tight.