# 2026-22772: USDA Clarifies Agent Commissions Do Not Count Toward Seller Concessions

2026-22772, Single Family Housing Guaranteed Loan Program-Limited Party Concessions, is a Federal Register rule from Agriculture Department, Rural Housing Service published 2026-11-09, effective 2026-11-09; PRIA reads it as touching household money (as of 2026-11-11).

- Canonical: https://policyrisk.com/federal-register/2026-22772
- As of: 2026-11-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-22772
- Title: Single Family Housing Guaranteed Loan Program-Limited Party Concessions
- Type: Rule
- Agencies: Agriculture Department; Rural Housing Service
- Citation: 91 FR 70769
- Published: 2026-11-09
- Effective: 2026-11-09
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 0575-AD47
- Last updated: 2026-11-11

## In one line

USDA Clarifies Agent Commissions Do Not Count Toward Seller Concessions

## Summary

Starting November 9, 2026, the USDA’s Rural Housing Service updated its Single Family Housing Guaranteed Loan Program to make it clear that real estate agent commission fees don’t count toward the limit on seller concessions. This change helps homebuyers and sellers understand costs better and could make deals smoother in rural areas. If you’re buying or selling a home with this loan, this update affects how much sellers can chip in without messing up the loan rules.

## Abstract

Rural Housing Service (RHS or the Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), amends the Single Family Housing Guaranteed Loan Program (SFHGLP) regulation to clarify real estate commission fees are not included in the limit on interested party concessions.

## Effects PRIA read

- Real‑estate commissions no longer count: benefit, high. If you buy or sell a home using the USDA Single Family Housing Guaranteed Loan Program, real estate commission fees are excluded from the 6 percent seller concession limit starting November 9, 2026. That means the seller’s payment of broker/agent commission will not be counted against the rule that…
- Sellers can contribute more to closing costs: benefit, high. Because real estate commissions are excluded from the 6 percent seller concession limitation, sellers may contribute more money toward borrower closing costs, necessary repairs, escrow accounts, furniture, or other permissible transaction expenses under the program. This change is intended to help…
- Protections against improper cash back preserved: benefit, low. The Agency reiterated that lenders must follow Consumer Financial Protection Bureau rules and that RHS regulations prohibit applicants from receiving cash back at closing beyond out‑of‑pocket costs. Lenders must also set fees that are reasonable and customary and comply with CFPB point and fee limi…

## Related documents

- [2026-06173](https://policyrisk.com/federal-register/2026-06173): Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions, 2026-03-31
- [2026-05387](https://policyrisk.com/federal-register/2026-05387): Single Family Housing Guaranteed Loan Program, 2026-03-19
- [2026-22038](https://policyrisk.com/federal-register/2026-22038): Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions, 2026-10-29
- [2026-20022](https://policyrisk.com/federal-register/2026-20022): Revised Fee Structure for Section 538 Guaranteed Rural Rental Housing Program Initial and Annual Guarantee Fees, 2026-09-30
- [2026-19659](https://policyrisk.com/federal-register/2026-19659): Multifamily Housing Preservation Pilot and Multifamily Housing Guaranteed Loan Notice of Loan-to-Cost Percentage Change for Option 3 (Conti…, 2026-09-25
- [2026-16914](https://policyrisk.com/federal-register/2026-16914): Rescission of Rural Development's Construction and Repair Regulation, 2026-08-19

## Sources
- [2026-22772 on federalregister.gov](https://www.federalregister.gov/documents/2026/11/09/2026-22772/single-family-housing-guaranteed-loan-program-limited-party-concessions)
- [2026-22772 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-11-09/pdf/2026-22772.pdf)

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Source: PRIA, https://policyrisk.com/federal-register/2026-22772 (as of 2026-11-11).