the easiest way to do this is for the Realtor to discount their commission so that HUD-1 reflects less payment to realtor, if the agents broker will allow. am i missing something?
Justmyopinion is absolutely correct. You can split a commission with a nonlicensed person. Reducing ones commission is one way having the Realtor pay a portion of the Seller’e closing costs.
Read the question, please, which was can the agent the money received from their commission AFTER the sale of the property?
The correct answer(s) to this is NO, the agent cannot legally give any money from their commission to a nonlicensed person, AND it would be illegal for the agent to do it AFTER the sale. Any transactions after the sale could be construed as fraud as well.
Of course you are correct. A Realtor cannot split commission or pay commissions to a nonlicensed person. I referenced the incorrect poster in my original reply.