Offering without an agent doesn't necessarily save money. It depends on the details of the seller's listing agreement. It could require dual agency or even with

Offering without an agent doesn't necessarily save money. It depends on the details of the seller's listing agreement. It could require dual agency or even without dual agency the listing agent could retain the full commission if there isn't an agent representing the buyer. The commission amount and split details are set in that agreement and the laws vary per state.