EMD Funding in Tacoma, WA | Swift Deal Funding
How EMD Funding Works in Tacoma, WA
EMD funding covers the earnest money deposit on your Tacoma contract — typically $5,000 to $25,000 in this market — wired directly to your Washington escrow company, usually within 24 hours of a complete file. The deposit must be refundable under the inspection or due-diligence terms of the contract. You lock up the property without committing your own cash before you’ve found an end buyer or finished your numbers.
Tacoma is an affordable Seattle-overflow market with a median around $480,000. Inventory turns over on value-add homes in Hilltop, South Tacoma, and the Eastside, where priced-out Seattle flippers and landlords stay active. The Port of Tacoma and Joint Base Lewis-McChord anchor steady rental demand. Keeping your own capital free across several live contracts is what lets a wholesaler scale here.
How it closes in Tacoma (escrow-company state)
Washington closings run through an escrow company, which holds the earnest money. We wire the deposit straight to your Tacoma escrow company once we have written confirmation it’s refundable per the contract’s inspection period. Washington is also a dry-funding state — sale proceeds disburse only after Pierce County recording — but that affects the final close, not the deposit. Cancel within the inspection window and the deposit returns to the escrow company and back to us, documented and clean.
Pricing
Two fixed options on every EMD:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A typical $10,000 Tacoma EMD under Option B costs $1,000 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Tacoma escrow company contact information
- Written confirmation from escrow that the EMD is refundable per the contract
- Your ID
No credit check, income verification, or tax returns; no Washington wholesaler license required — disclose your equitable interest.
A typical Tacoma EMD scenario
You go under contract on a craftsman on the Eastside and the seller wants a $10,000 earnest money deposit. Rather than wire your own cash, you submit the contract and your escrow company’s details. Within 24 hours we wire $10,000 to your Tacoma escrow company. Your inspection period protects the deposit while you assign the contract to a Seattle-overflow flipper. Under Option B your cost is a flat $1,000, and your capital stayed free for the next Hilltop deal.
Apply
Submit your contract and escrow company contact online — under 10 minutes. Same-day wire is possible for complete files in before 11 AM Eastern. We coordinate directly with your Tacoma escrow company.
Frequently Asked Questions
Where does earnest money go on a Tacoma deal? +
Washington closings run through escrow companies, so your earnest money is held by the escrow office handling the deal, not an attorney. We wire the deposit — usually $5,000 to $25,000 in this market — directly to your Tacoma escrow company within 24 hours of a complete file and written confirmation the EMD is refundable. The deposit holds your contract while you finish due diligence or line up a Seattle-overflow end buyer in Hilltop, South Tacoma, or the Eastside.
Does Washington's dry-funding rule affect EMD funding in Tacoma? +
Not for the deposit itself. Dry-funding governs when sale proceeds disburse at closing — after Pierce County recording — but earnest money is simply held against your contract during the inspection period. What matters for EMD funding is that the deposit is refundable under your contract's due-diligence terms and the escrow company confirms it in writing. If you cancel within that window, the deposit returns from the Tacoma escrow company back to us, with none of your own capital exposed.
Why do Tacoma wholesalers use EMD funding? +
Tacoma's median is around $480,000 and the market draws competitive Seattle-overflow buyers, so a credible earnest deposit helps your contract stand out. EMD funding lets you put up that deposit on each deal without spending your own funds, and because a Washington escrow company holds the money, it's clean and documented. You pay a fixed per-deal cost and stay liquid to chase the next South Tacoma or Eastside opportunity instead of locking capital into deposits.
Apply for EMD Funding in Tacoma, WA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.