EMD Funding in Portland, OR | Swift Deal Funding
How EMD Funding Works in Portland, OR
EMD funding covers the earnest money deposit on your Portland contract — typically $5,000 to $25,000 in this market — wired directly to your Oregon 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.
Portland is a mature infill market with a median around $540,000 and no statewide sales tax. Inventory turns over on value-add homes in Cully, Lents, and St. Johns, where flippers and landlords stay active. A credible deposit matters in a competitive market, so keeping your own capital free across several live contracts is what lets a wholesaler scale here.
How it closes in Portland (escrow-company state)
Oregon closings run through an escrow company, which holds the earnest money. We wire the deposit straight to your Portland escrow company once we have written confirmation it’s refundable per the contract’s inspection period. Oregon is also a dry-funding state — sale proceeds disburse only after Multnomah 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 $12,000 Portland EMD under Option B costs $1,200 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language
- Portland 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 Oregon wholesaler license required — disclose your equitable interest.
A typical Portland EMD scenario
You go under contract on a 1920s home in Cully and the seller wants a $12,000 earnest money deposit. Rather than wire your own cash, you submit the contract and your escrow company’s details. Within 24 hours we wire $12,000 to your Portland escrow company. Your inspection period protects the deposit while you assign the contract to a flipper. Under Option B your cost is a flat $1,200, and your capital stayed free for the next Lents 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 Portland escrow company.
Frequently Asked Questions
Where does earnest money go on a Portland deal? +
Oregon 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 Portland 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 an end buyer in Cully, Lents, or St. Johns. With no Oregon sales tax, your deposit and closing math stay clean.
Does Oregon's dry-funding rule affect EMD funding in Portland? +
Not for the deposit itself. Dry-funding governs when sale proceeds disburse at closing — after Multnomah 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 Portland escrow company back to us, with none of your own capital exposed.
Why do Portland wholesalers use EMD funding? +
Portland's median is around $540,000 and a credible earnest deposit helps your contract stand out in a competitive infill market. EMD funding lets you put up that deposit on each deal without spending your own funds, and because an Oregon escrow company holds the money, it's clean and documented. You pay a fixed per-deal cost and stay liquid to chase the next Cully or St. Johns opportunity instead of locking capital into deposits across multiple live contracts.
Apply for EMD Funding in Portland, OR
Submit your application online — same-day decisions for complete files before 2 PM Eastern.