Buyer Agent Commission FSBO

[Isaac Black]

I found a house on my own and have done 100% of negotiations thus far by myself. The seller is a FSBO obviously, I'm figuring I'm going to have to pay my agent a commission but can I figure that commission into my loan? Do I owe him 3% considering what work I have done? He said he can handle all the paperwork for closing and offering once I decide to proceed with the house which is what the fee would be covering in terms of services.