Not that we are aware of, and at pre-approval there is often no fixed number to report anyway. Final buyer-side compensation is usually negotiated within a specific deal, so there may be nothing concrete to hand the lender when you get pre-approved. Where it does show up is at closing. Any buyer-paid agent compensation flows through the standard cash-to-close conversation and appears on the settlement statement, which underwriters already review. If buyer-paid commissions become more common, they simply fall under the same rules as any other funds you bring to closing: the money has to be sourced and, where required, seasoned, meaning the lender confirms where it came from and that it is genuinely yours to use. The practical takeaway is to account for any cash you plan to bring, including a possible agent-compensation payment, in your funds to close from the start so nothing surprises the file late. When we build your numbers on the free Roadmap conversation, we include your realistic cash to close so that piece is planned rather than discovered at the finish line. Rules here are still evolving, so confirm the current requirements as your deal comes together.