Echo Funding in Denver, CO | Swift Deal Funding
Echo Funding in Denver, CO
Echo funding (transactional down-payment funding) supplies the cash an end buyer needs to close, repaid directly from the seller-side proceeds — in a wholesale deal, your assignment fee. It keeps a deal alive when the buyer is short on the down payment but the spread holds. Denver Echo deals typically run $35,000–$120,000 funded, with capacity to $10,000,000 per transaction, at a flat 2.5% fee and no upfront cost.
Denver is a major Mountain West market with a median around $630,000 and a cooling Front Range trend that keeps disciplined investors active. Demand holds on value-add homes in Montbello, Globeville, Elyria-Swansea, and Westwood, where flippers and landlords — unconstrained by any state rent control — chase value-add inventory. Spreads are healthy, so matching the right deal to Echo is straightforward, and unlike its dry-funding neighbors, Colorado’s wet-funding model means the repayment clears at the table.
How Echo closes in Denver (wet-funding, at the table)
Colorado is a wet-funding title-company state — the direct opposite of dry-funding Washington and Oregon. The Denver title company disburses at closing, not after the deed records with the county. With Echo:
- We wire the down-payment funds to the title company ahead of closing.
- The deal closes and funds at the table.
- The title company disburses the same day, no record-first waiting period.
- Your assignment fee repays our funded amount plus the flat 2.5% in that same disbursement.
Because Colorado funds at the table, you’re not timing the close around a county recording cutoff the way you would in Seattle or Portland — but confirm the disbursement sequence with your title company so the Echo repayment lands on the statement.
Pricing
Flat 2.5% of the funded amount, collected on the settlement statement at disbursement. No application, origination, or upfront fees.
What you’ll need
- Executed purchase contract
- Executed assignment contract showing your assignment fee
- Assignment fee ≥ funded down payment + 2.5% fee
- A Denver title company prepared to disburse seller proceeds with the Echo repayment included
No credit check, income verification, or tax returns; no Colorado wholesaler license required — disclose your equitable interest.
A typical Denver Echo scenario
You have a Globeville home under contract and assign it to an end buyer at a $580,000 purchase price with a $52,000 assignment fee. The buyer is $40,000 short on the down payment. We wire $40,000 to your Denver title company. The deal closes and funds at the table, and at disbursement the title company repays our $40,000 plus the $1,000 fee from your assignment fee. You net about $11,000, and the buyer closed without the full down payment in hand. Because Colorado is wet-funding, it clears the same day without a recording wait.
Apply
Submit your purchase contract and assignment contract online. We confirm the assignment fee covers the funded amount before approval. Standard turnaround is ~48 hours.
Frequently Asked Questions
How does Colorado wet-funding change Echo versus its dry-funding neighbors? +
It clears faster at the table. Echo funds your end buyer's down payment and is repaid from seller-side proceeds — your assignment fee. Colorado is a wet-funding title-company state, so the Denver title company disburses at closing rather than only after the deed records, unlike dry-funding Washington and Oregon where escrow must wait on the county. We wire the down payment in ahead of closing; the deal funds at the table, and your assignment fee repays our funded amount plus the flat 2.5% in that same disbursement. Confirm timing with your title company.
Does my Denver assignment fee need to cover the full Echo amount? +
Yes. Your assignment fee must be at least the funded down payment plus our flat 2.5%, because repayment comes from those seller-side proceeds at the closing table. Denver's ~$630,000 median supports solid spreads even in a cooling Front Range market, so deals in Montbello or Elyria-Swansea usually clear the threshold easily. We still check the assignment contract before approval. As long as the fee covers the funded amount plus 2.5%, the Echo repayment clears cleanly when the Denver title company disburses.
Do I need a license to use Echo funding in Denver? +
No Colorado wholesaler or real estate license is required to control and assign a contract — disclose your equitable interest and keep the paperwork clean. You'll need an executed purchase contract, an assignment contract showing your fee, and a Denver title company ready to disburse with the Echo repayment on the statement. We don't check credit, income, or tax returns. Because Colorado is wet-funding, the title company pays out at the table, so you're not building the close around a county recording cutoff like in the Northwest.
Apply for Echo Funding in Denver, CO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.