EZ Real Estate Agent Coaching: HUD/ALTA Closing Statement Explained
One of the most common questions we hear from EZ Agents is:
“If the buyer pays the Buyer’s Premium, why does the HUD/ALTA show commissions on the seller’s side?”
At first glance, it can feel confusing. Sellers are told they pay 0% listing commission, yet the closing statement still shows the buyer premium amount that’s being used for commission as a line item under the seller’s column.
In this one-on-one training session, Joy breaks down how to explain this clearly to both your sellers and why their net number at closing.
Want to get certified as an EZ Listing Agent? Apply for Sponsorship – enrollment costs waived for motivated agents.
Key Lessons From This Training
Buyer’s Premium = Added to Offer Price
The buyer’s premium is always added on top of the accepted offer, which means the purchase price in the contract already includes it.Why HUD/ALTA Shows Commission on Seller Side
Even though the buyer pays, title companies list commissions as debits on the seller’s side. This is standard formatting — but the seller’s net remains the same.Focus Sellers on Their Net Number
What matters most is what the seller walks away with at closing. Net sheets help sellers see the difference between a traditional listing and an EZ listing side by side.Title Companies Handle the Breakout
Commissions, concessions, platform fees, and buy-downs are all itemized by the title company per the purchase agreement.Lenders Don’t See the Buyer Premium
Lenders only see the total purchase contract price, not the line item breakdown. Keep explanations focused on buyers and sellers — not lenders.
Pro Tip for Agents: Always prepare two net sheets — one showing traditional commissions and one showing EZ with Buyer’s Premium — so your seller sees the savings upfront.
Tools and Resources
- Example Net Sheets
- Listing Presentation Training
- Buyer Premium Workshops
- Our Lender Partner (For Buyers)
- Our Transactional Funding Partner (For Double Closes)
Stay Connected:
The best way to keep learning and stay plugged into new ideas is through our agent communities. Join the conversation, share your wins, and get feedback from peers who are building with EZ every day:
You don’t have to figure this out alone—connect with other agents using the same tools and scripts, and you’ll always have a place to turn for answers and support.
Want to get certified as an EZ Listing Agent? Apply for Sponsorship – enrollment is waived for agents willing to learn EZ. Claim your spot now!
