7 Best 100% Commission Real Estate Companies

eXp Realty is the largest cloud brokerage in the world, and its model is the clearest example of a capped split: you pay 20% of each commission until you have given the brokerage $16,000 in your anniversary year, then you keep 100% for the rest of the year. The monthly cost is $85, the startup cost is $149, and each deal carries a $25 broker review fee plus a $40 risk management fee, with errors and omissions cover capped at $500 a year. There are no royalty fees, and the company operates in more than 20 countries, so an agent who moves can keep the same brokerage.

• The limits are about the cost before the cap and the mentor programme.
• An agent who closes two deals a year never reaches the $16,000 cap, so that agent keeps 80% and pays $1,020 a year in monthly fees plus the per-deal c
• New agents in the Mentor Programme pay an extra 20% split on their first three transactions.
• The $85 a month also buys a technology package that some agents never use, since eXp is cloud-based and has no physical office to walk into.

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Real Broker keeps more of each deal than eXp before the cap, with an 85/15 split that runs until you have given the brokerage $12,000, then 100% commission for the rest of the year. The annual fee is $900, taken as $250 from each of the first three closings, and the startup fee is $249. There is no monthly fee, which makes the yearly cost easier to predict, and the company offers stock awards through a Top Agent Bonus.

• Real is publicly traded and operates in the United States and Canada.
• The limits are the post-cap fee and the startup cost.
• After the cap, Real charges $285 per sale, or $100 for agents who reach Elite status on or after 1 September 2026, so the 100% tier still carries a pe
• The $249 startup fee and the $900 annual fee are due even in a slow year, and the revenue share programme pays less than the eXp equivalent for most a

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Fathom Realty Edge is the cheapest route to 100% commission for a low-volume agent, because the split is only 7% until you reach a $9,000 annual cap, then $165 per deal. The monthly cost is $75, the minimum transaction fee is $350, and each sale carries a $35 errors and omissions charge. Fathom also offers a second plan at a 20% split with no cap, which adds concierge support and coaching, and a Max plan at $465 per transaction to a $9,000 cap.

• The limits are the monthly fee and the minimums.
• The $75 a month is $900 a year before you close a deal, and the $350 minimum per deal means a small transaction costs more than the 7% split suggests.
• The 20% plan with no cap suits agents who want support, but it never reaches 100%.
• If you close a few deals a year and you want the lowest split, Fathom Edge is the pick.

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LPT Realty Business Builder is the closest thing to a true 100% commission plan in this list, because the agent keeps the whole commission and pays $500 per deal until the yearly cap of $5,000 is reached. There is no percentage split, so a large deal costs the same $500 as a small one, which favours agents who close high-value homes. The plan also charges $195 per deal to the customer and $500 a year for technology and errors and omissions cover.

• The limits are about the age of the published terms.
• The only official numbers for the Business Builder plan come from a 2023 plan document, so the current terms may differ, and you must confirm the fee
• The $195 per-deal charge to the customer can be a hard sell on a low-price home, and the $500 annual technology fee is due even in a slow year.
• If you close high-value deals and you want a flat fee with no split, LPT is the pick, but verify the current terms first.

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Realty ONE Group runs a 100% commission model, which means the agent keeps the whole commission and pays office fees instead of a split. The difference from the cloud brokerages is the local office: Realty ONE Group has physical offices with brokers, training rooms and in-person support, which suits agents who want a place to work and a broker they can meet. The brand is well known, and the 100% model is the headline, but the fees are set by each office, so there are no national figures to compare.

• The office fee, the monthly charge and the transaction fee all vary by location.
• The limits are the lack of transparency.
• Because each office sets its own fees, two agents in the same company can pay very different amounts, and the only way to compare is to ask the local
• Some offices charge a high monthly fee that wipes out the benefit of the 100% model for a low-volume agent.

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HomeSmart is a franchise brokerage that offers a 100% commission model through local offices, with training, support and a technology platform included. The agent keeps the whole commission and pays the office a monthly fee and a per-transaction fee, which vary by franchise. The company has grown fast through franchising, and the offices offer the kind of local support that a cloud brokerage cannot.

• The technology platform covers listings, contracts and marketing, which suits an agent who wants tools without buying them separately.
• The limits are the same as Realty ONE Group: the fees are not published nationally, so you cannot compare HomeSmart to eXp or Real without asking the
• The monthly charge can be high in some offices, and the transaction fee adds up on a busy year.
• The 100% model also means the brokerage earns less per deal, so the support can be thinner than a traditional split brokerage.

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Epique Realty is a newer cloud brokerage that runs an 85/15 split with caps that decline as the agent produces more, plus a 0.1% transaction fee and a revenue share programme. The declining cap is the unique feature: the more you close, the lower the cap, so a productive agent reaches 100% sooner than the headline suggests. The company is growing fast, and the model suits agents who want a cloud brokerage with a lower long-term cost than eXp or Real.

• The limits are transparency and scale.
• Epique does not publish a full fee schedule, so the cap, the monthly charge and the transaction fee must be confirmed with the company, and the terms
• The agent count is smaller than eXp or Real, so the network is thinner, and the declining cap is a promise that needs to be checked against the writte
• If you close high volume and you want a cap that falls as you produce, Epique is worth a look.

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