Tax strategy when buyer is real estate agent

[Account Closed]

Hi,

I am in escrow on a property and I am a new real estate agent. I am in the highest tax bracket in california. My lender told me that I cannot use my commission towards down payment. I can only use it towards closing cost fees. If I accept the check, then I am double taxed on my money. What would other seasoned real estate agents do in such a scenario?

Thanks.