The Fathom Realty stack in 2026: the fee math, including the TC twist
Fathom’s pitch is flat-fee efficiency — and one part of the stack most brokerages charge separately: transaction coordination is included on every deal. Here’s the line-by-line, including the 2026 fee changes worth knowing.
Per Fathom’s own announcements and 2026 coverage: the Max plan runs $465/transaction to a $9,000 annual cap, Edge runs a 7% split to the same cap, and the platform fee is $99/month. Transaction coordination is included on every transaction. 2026 changes: some transaction fees moved from $600 to $700, with a new fee on sales over $600,000.
The Fathom stack, line by line
| Item | What agents get | Notes |
|---|---|---|
| Max plan | $465/transaction, $9,000 cap | Then 100% after capping |
| Edge plan | 7% split to $9,000 cap | Alternative structure |
| Platform fee | $99/mo ($1,188/yr) | Covers the tech platform |
| Transaction coordination | Included on every transaction | Rare — most brokerages bill TC separately |
| 2026 fee changes | Some fees $600→$700; new >$600K-sale fee | Fathom announcements |
| Other | Leases $120; commercial 12% to $5,000 cap | Per plan documents |
From Fathom’s investor-relations announcements and 2026 coverage, checked 2026-08 — verify current plan math with Fathom.
What to ask about the Fathom stack
| Question | Why it matters |
|---|---|
| Human TC or software TC? | Included coordination is real value — ask who coordinates (a person, a team, or a queue) and how file volume is staffed in your market |
| Platform depth | Ask specifically what the $99/mo platform covers: CRM depth, follow-up automation, and whether an AI voice agent is on the roadmap or live |
| Cap math at your volume | Flat-fee plans reward high producers — model your own transaction count against $465/txn + $99/mo before comparing to splits |
| Export, in writing | Same as every platform: get the data-export story documented before committing your database |
Questions Fathom agents ask.
Is Fathom’s included TC a big deal?
Honestly, yes — transaction coordination is a real line item for most agents, and bundling it changes the fee math in Fathom’s favor. The follow-up questions are about service level and who staffs your files.
How does the $99/mo platform compare?
It covers the brokerage’s tech; compare it against what you’d pay for a standalone stack (CRM + e-sign + follow-up tools commonly run well past $99/mo). What it doesn’t include, per everything public: an AI voice agent answering your calls 24/7 and white-label client moments — the capabilities BrokerDIY is built around.
Can I use my own tools alongside?
Yes. BrokerDIY, for example, is used by teams and agents who want AI operations they own — voice agents, sequences, white-label e-sign, and a private brain that belongs to their business rather than any brokerage’s platform.
Fathom Realty names and marks are property of their respective owners. Fee details from Fathom announcements and 2026 coverage, checked 2026-08 — verify with Fathom. This guide is independent service content, not a Fathom publication. BrokerDIY is a software platform, not a brokerage.