<prompt> Human: Through a company perk, we get 30 of our realtors gross commission of 3 on a home purchase. The only caveat is we cannot simply pocket the cash not that we want to!Should we... reduce the purchase price of the home in effect the realtor will just take less commission from the seller apply towards our down payment we are already above 20 put it towards closing costs buy down the rate. rates are pretty low and we are _guessing_ they will only go up.  <response>: put it towards closing costsThat seems to make the most sense to me. Its essentially pocketing the cash. 