EMD Funding in Sacramento, CA | Swift Deal Funding
How EMD Funding Works in Sacramento, CA
EMD funding covers the earnest money deposit on your Sacramento contract — typically $5,000 to $25,000 in this market — wired directly to your California escrow, usually within 24 hours of a complete file. Your contract’s contingency or inspection terms have to make the deposit refundable. With that in place, you tie up the property without spending your own cash before you’ve sourced an end buyer or finished your numbers.
Sacramento is a mid-priced capital-city market with a median around $500,000 — affordable relative to the Bay Area, which keeps relocating buyers and investors competing for inventory. Stock turns over on older single-family homes in Oak Park and Del Paso Heights and on newer flips and rentals in Natomas. Deposits run moderate, but keeping your own capital free across several live contracts is what lets a wholesaler scale.
How it closes in Sacramento (escrow state)
California closings run through an escrow company — in Northern California, frequently a title company’s in-house escrow department — which holds the earnest money. We wire the deposit straight to your Sacramento escrow once we have written confirmation it’s refundable per the CAR contract’s contingency period. California is also a dry-funding state — sale proceeds disburse only after the Sacramento County deed records — but that affects the final close, not the deposit. If you cancel inside the contingency window, the deposit comes back through escrow 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 Sacramento EMD under Option B costs $1,000 total — paid once, nothing at closing.
What you’ll need
- Executed purchase contract with refundable EMD language (typically the CAR Residential Purchase Agreement)
- Sacramento escrow contact information
- Written confirmation from escrow that the EMD is refundable per the contract
- Your ID
No credit check, income verification, or tax returns; California has no wholesaler-licensing statute.
A typical Sacramento EMD scenario
You go under contract on an Oak Park fixer and the seller wants a $10,000 earnest money deposit. Instead of tapping your own cash, you send the contract and your escrow’s details. Within 24 hours we wire $10,000 to your Sacramento escrow. The contingency window keeps the deposit protected while you assign the contract to a flipper. Under Option B your cost is a flat $1,000, and your capital stayed free for the next Natomas deal.
Apply
Submit your contract and escrow contact online — under 10 minutes. A complete file in before 11 AM Eastern can wire same-day. We coordinate directly with your Sacramento escrow.
Frequently Asked Questions
Where does earnest money go on a Sacramento deal? +
California is an escrow state, so your earnest money is held by an escrow company — in NorCal, often a title company's in-house escrow department rather than a standalone firm. We wire the deposit — usually $5,000 to $25,000 in this market — straight to your Sacramento escrow 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 Oak Park, Del Paso Heights, or Natomas.
Does California's dry-funding rule affect EMD funding in Sacramento? +
Not for the deposit itself. Dry-funding governs when sale proceeds disburse at closing — only after the Sacramento County deed records — but earnest money is simply held against your contract during the inspection and contingency period. What matters for EMD funding is that the deposit is refundable under your CAR contract's contingency terms and the escrow confirms it in writing. If you cancel within that window, the deposit returns from the Sacramento escrow back to us, with none of your own capital exposed.
Why do Sacramento wholesalers use EMD funding? +
Sacramento's median near $500,000 keeps deposits moderate, but the market moves fast with Bay Area transplants competing for inventory, so a credible deposit on each contract matters. EMD funding lets you put up that deposit on several deals at once — an Oak Park fixer, a Natomas rental — without spending your own funds, and because a NorCal escrow holds the money, it's clean and documented. You pay a fixed per-deal cost and stay liquid for the next Central Valley opportunity.
Apply for EMD Funding in Sacramento, CA
Submit your application online — same-day decisions for complete files before 2 PM Eastern.