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SORTS IT OUT. REPORTER: HOME PRICES IN THE BAY AREA ARE DECLINING IN 2023 BUT THE AVERAGE HOME PRICE IS STILL $1.1 MILLION. IF YOU ARE LOOKING TO BUY A HOME WITH THAT VALUE, THE MINIMUM AMOUNT OF MONEY OUT-OF-POCKET WOULD BE 3.5% FOR A DOWN PAYMENT , OF $38,500. ANTHROPOCENTRIC CLOSING COSTS, $33,000. -- AND 3% FOR CLOSING COSTS, $33,000. BUT THE REAL ESTATE AGENTS ARE CONCERNED IF BUYERS OF THE MARKET WOULD BE REQUIRED TO PUT DOWN EVEN MORE MONEY, TO THE TUNE OF AN ADDITIONAL 3% -- THAT COULD BE DEVASTATING IN MY OPINION. REPORTER: RICOS CONCERNS ABOUT THE NEW CHANGE TO A PIECE OF PAPERWORK CALLED THE SELLER PAYMENT FOR THE BUYERS BROKER AGREEMENT WHICH DETERMINES HOW A HOMEBUYERS AGENT IS COMPENSATED. BUT IT CHANGE -- BUT A CHANGE COULD MAIN THE HOMEBUYER IS ON THE HOOK TO PAY THE AGENT. RIVERA IS THE PRESIDENT OF NORA, THE NATIONAL HISPANIC ORGANIZATION OF REAL ESTATE ASSOCIATES. I AM MORE CONCERNED IT IS GOING TO IMPACT THE LOWER INCOME COMMUNITIES. THATS WHAT IM REALLY C