Yes and the buyer pays them, but they sometimes negotiate that the seller pays them. You can say no to that as a seller. We tried to get the seller to pay ours for the contract we are currently in ROFR on and they offered a little off the price per point instead. Buyer also pays 2013 MF and if you have already paid them, you will get that money back. If you have no 2013 points than the buyer likely won't pay the 2013 MF and the broker will advise as such. MF can also be negotiated but it typically goes to buyer if all points are there and seller if not (sometimes buyer and seller will split them). If you don't use a broker, you will still pay closing costs and will have to find a lawyer to do the closing. The only thing not using a broker saves you is the 10% commission.