I respectfully disagree Beeman,
If you find a competant agent a Buyers agent is working for you. The listing realator is working for the seller.
The comission is paid through the seller of the property. If there is just the listing agent working for both parties then they recieve 100% of the comission. If you have 2 realators the comission is divided 50-50.
The is no out of pocket expnse for a buyers agent but you need to have a contract that says you are working with them exclusively. We have used a buyers agent on a couple of propeties we have purchased. It was most diffenatley in our best intrest to have our own realator representing our needs.