Double Close Funding in Idaho | Swift Deal Funding
Double Close funding in Idaho
Double close funding lets an Idaho wholesaler buy from the seller (A-to-B) and immediately resell to the end buyer (B-to-C) on the same day, through a single title company, without parking their own cash in the middle leg. We wire the money that closes the A-B side and recover it from the C-buyer’s proceeds.
Idaho’s market has been one of the country’s hottest. The Boise metro — Boise, Meridian, Nampa — absorbed waves of in-migration and price appreciation, and that growth keeps a steady supply of wholesale and flip deals moving. Funded amounts here commonly run $100,000–$350,000, tracking Treasure Valley pricing, with capacity up to $100,000,000+ on larger transactions.
How a double close closes in Idaho
Idaho is a dry-funding state, the key timing fact here. Title does not release money at signing; it disburses only after the deed records with the county recorder. So your A-B-C sequence happens in one day, but our repayment from the C-side settles after recording confirms. In Ada County (Boise/Meridian) recording is typically same-day, keeping the gap short; smaller counties may run slower.
Idaho closes through title/escrow companies, not attorneys, so one title officer can cleanly run both legs of the double close. Local note: confirm the county recorder’s cutoff and the title company’s disburse-after-recording sequence for your closing date, and run any equitable-interest or assignment questions past an Idaho real-estate attorney.
Pricing
Tiered flat fee on the funded amount, collected at close, nothing upfront:
| Funded amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M – $10M | 1.0% |
| Above $10M | Custom |
You pay only if the deal funds and closes.
What you’ll need
- Signed A-to-B purchase contract on the Idaho property
- Signed B-to-C resale or assignment to your end buyer
- End-buyer verification: proof of funds or a lender pre-approval
- Both legs scheduled to close the same day
- One Treasure Valley title company handling both closings
No credit pull, no income docs, no tax returns. Local note: because Idaho disburses post-recording, ask the title company to confirm both legs will record before the county cutoff on closing day.
A typical Idaho double close scenario
You lock up a tired ranch home in Nampa at $290,000 and assign it to a Boise flipper for $325,000. Their hard-money lender won’t fund your A-B purchase, so you double close. We wire $290,000 to your Treasure Valley title company by 9 AM Eastern. The A-B deed records with the Canyon County recorder, B-C records right after, and once recording confirms, title disburses and repays our $290,000 plus the 1.25% fee ($3,625) from the C-side. Your spread nets around $31,375.
Apply
Upload both Idaho contracts and your end-buyer verification online. We’re typically wire-ready inside 48 hours, and same-day for complete files received before 11 AM Eastern.
Frequently Asked Questions
Idaho is a dry-funding state — can you still do a same-day double close? +
Yes. Idaho is a dry-funding state, meaning the title company disburses only after the deed records, not at the signing table. Your A-B-C double close still runs in a single day; the difference is that our repayment from the C-buyer's proceeds settles once county recording confirms. In Ada County and the other Treasure Valley counties recording is generally same-day, so the lag is usually a matter of hours. Confirm the recording cutoff with your Idaho title company before scheduling.
Do you fund double closes outside the Boise metro? +
Yes, statewide. While Boise, Meridian, and Nampa drive most of the volume, we fund double closes in Coeur d'Alene, Idaho Falls, Twin Falls, and rural counties too. The requirements are identical anywhere in Idaho: one title company runs both legs, a verified end buyer, and a same-day schedule. Recording speed can vary by county, so a smaller-county recorder may add time versus Ada County's same-day pace.
What does a Boise-area double close cost? +
The fee is tiered by funded amount: 1.25% up to $1,000,000, 1.0% from $1M to $10M, and custom above $10M. With Treasure Valley median prices well into the $400,000s, a typical residential double close here funds in the low-to-mid six figures and falls in the 1.25% tier. There is no upfront or application fee — the fee is collected on the closing statement only if the deal funds and closes.
Apply for Double Close Funding in Idaho
Submit your application online — same-day decisions for complete files before 2 PM Eastern.