source:
  type: guide
  id: fnma-sel-b3-4.3-21
  authority: Fannie Mae Selling Guide B3-4.3-21 — Borrower's Earned Real Estate Commission
  description: Fannie Mae Selling Guide B3-4.3-21 — Borrower's Earned Real Estate
    Commission.
  coverage_tier: operative
obligations:
- id: fnma-sel-b3-4.3-21-full
  canonical_id: fnma-sel-b3-4.3-21-full
  section: Fannie Mae Selling Guide B3-4.3-21 — Borrower's Earned Real Estate Commission
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B3-4.3-21 — Borrower's Earned Real Estate
      Commission
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: 'B3-4.3-21, Borrower''s Earned Real Estate Commission (04/05/2023)
      Introduction This topic contains information on the use of borrower''s earned
      real estate commission as eligible funds for the subject transaction, including:
      Earned Real Estate Commission Documentation Requirements Earned Real Estate
      Commission Earned real estate commission refers to the borrower''s portion of
      a real estate commission earned from the sale of the subject property being
      purchased when the borrower is acting as their own real estate agent. Lenders
      may use the borrower''s earned real estate commission as an eligible source
      of funds for down payment and closing costs provided the borrower is a licensed
      real estate agent and will receive a sales commission from the purchase of the
      subject property. Documentation Requirements The lender must document the following:
      the settlement statement must reﬂect the commission earned by the borrower,
      and the earned commission amount must be credited towards the mortgage loan.
      Note: For DU loan caseﬁles, earned real estate commission must be entered as
      a Credit Type of "Other" in Section 2b of the online loan application. Recent
      Related Announcements The table below provides references to recently issued
      Announcements that are related to this topic. Published May 6, 2026 447 Announcements
      Issue Dates Announcement SEL-2023-03 April 05, 2023 Section B3-4.4, DU Requirements
      for Asset Assessment'
  judgment: false
