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Program 06

Transactional Funding in Columbia

Transactional funding that clears a Columbia, Missouri double close.

For wholesalers and assignment deals in Columbia, Missouri, we fund the A-to-B leg so you can close the B-to-C. We fund up to 100% of the purchase price on flat-fee pricing, with no credit check or appraisal, since the loan is repaid from the simultaneous resale. A Columbia double close runs through a title company's escrow under Missouri's good-funds law, and selling to a wholesaler here now carries a boldface disclosure requirement at least fourteen days before the purchase contract. Business-purpose only, and every structure is set in underwriting.

Transactional Funding in Columbia, MO from USA Mortgage
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.

Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
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*Typical terms, subject to underwriting and market conditions.

Local FAQ

Transactional Funding in Columbia, answered.

Is there a wholesaler disclosure requirement in Columbia, Missouri?
Yes, since 2026-08-28. RSMo 407.3600, created by SB 973, requires a wholesaler to give the record owner a separate written disclosure in boldface type of at least 12 point, signed and dated by both the owner and the wholesaler, at least fourteen calendar days before the purchase contract. It must state that the presenter is a wholesaler under Missouri law, that the owner should get legal advice, that the wholesaler does not represent the owner, that the contract can be assigned to third parties without the owner's consent, and that the price may be below market value. Skip it and the owner can cancel at any time before close of escrow, earnest money back within thirty days, and the Missouri Attorney General can enforce it as an unlawful practice. There is no license and no fee cap tied to it.
Do I need a real estate license to wholesale in Columbia?
Not to assign your own contract. RSMo 339.010.1 defines a real estate broker as someone who acts "for another, and for a compensation or valuable consideration." A wholesaler who contracts as the principal buyer and assigns that contract right is acting for itself, not for another, and sits outside the definition. The exposure starts when a wholesaler markets the seller's property rather than its own contract, which starts to look like unlicensed brokerage. No Missouri Real Estate Commission guidance has blessed wholesaling either way, so this is a statutory reading, not a regulator's sign-off.
Does a double close in Columbia get around the new wholesaler disclosure statute?
On a plain reading, yes, but treat it as a reading, not a settled rule. RSMo 407.3600 reaches a wholesaler who assigns a contract "without holding title." A double close has the buyer take title on the A-to-B leg before reselling on the B-to-C leg, which on its face falls outside that definition. The statute is only weeks old, and no Attorney General guidance or case law construing it has been located. Confirm the structure with Missouri counsel before you rely on it for a specific deal.
How do Missouri's good-funds rules affect a same-day double close in Columbia?
Wire the money, do not write a check. RSMo 381.412.1 requires certified funds above $2,500 from a buyer, seller or non-institutional lender, and 381.412.2 bars a title insurer from disbursing against an uncertified deposit less than ten days old. Neither subsection prohibits a same-day A-to-B, B-to-C close, and an end buyer's wire counts as certified funds on its face. Whether a specific Columbia title company will run both legs back to back the same day is underwriter policy, not statute, so confirm it with the title company before you contract around it.
What if my Columbia double-close buyer plans to hold the property as a rental instead of reselling it?
Say so up front, because the buyer inherits Columbia's Rental Unit Conservation Law obligation on closing. The property needs a current certificate of compliance, and a certificate transfers to a new owner within 90 days of title transfer for a $15 fee, for whatever is left of its five-year term. Missing that window means the rental is being operated unlawfully in the city. Worth flagging on the B-to-C side of a Columbia assignment even though it does not touch the transactional funding itself.
What does a double close cost in closing fees in Columbia, Missouri?
Structurally low, but do not expect a printed all-in total. Missouri's constitution bars any transfer tax on a real estate sale at any level of government, so neither leg of a Columbia double close carries one. Recording runs off a $5 first-page base under RSMo 59.310, with Boone County surcharges added on top. No current all-in Boone County Recorder of Deeds schedule was available to quote, so get that number from the recorder or your title company before you price a specific deal.

More Transactional Funding questions, answered on the program page

Resources

Guides for Transactional Funding

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide
Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide
Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide
Browse all guides
Compare

Transactional Funding vs. other options

Comparison
Transactional Funding vs Hard Money
See the comparison
Comparison
Assignment vs Double Close
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Transactional Funding elsewhere in Missouri

All Columbia loan programs
About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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