Do I have to pay a buyer's agent commission?
Only if you hire a buyer's agent and agree to pay them in your written agreement. Commissions are negotiable, and sellers may or may not offer to cover it. If you buy without a buyer's agent, there is no buyer's agent fee. ListingCraft for Buyers gives you the tools to buy on your own for a monthly subscription.
Read any buyer agreement carefully before you sign: it states the fee, how long it lasts and what happens if you buy a home on your own.