What do you want to understand?

$30,000 − $4,999 = your money.

The seller pays about $30,000 to the buyer's agent on a $1M home. We keep $4,999. You get about $25,000. You still get a real agent from start to finish, and it costs $0 up front.

Based on a $1M San Diego home where the seller offers 3% to the buyer's agent. Applied to closing costs first. How much can go to you beyond that depends on your loan. Estimate only, not a guarantee.