It should be what it is now in which is the delinquent amount plus any additional  fees accumulated.   

If HOA fees, HOI Fees, and taxes haven't crumpled some it will.

buying and selling is also expensive - fees, fees, fees.not trying to be discouraging, just realistic. 

Charge a monthly fee, have multiple students at once all use zoom meetings, or even sell a course for a certain amount of money.DO NOT continue to tell people they will make $500k and that it cost $15K+ to do so. 

Who pays servicing fees?

You are making enough income to bring a check with you if you can't sell for what you owe + any fees.

The scenario would be using a flat fee listing service where there is no agent. 

Points and fees like a traditional bank?

As pointed out, the loan fees and such are usually rolled into the loan meaning you are paying interest on more than just the principal of your home at that point. 

In Oregon where I own most my properties, relocation fees for no-cause evictions is one months rent.