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Program 05

Transactional Funding in Tri-Cities

Same-day transactional funding for a Tri-Cities double close.

Transactional funding covers the A-to-B leg of a double close so you can close B-to-C the same day, funding up to 100% of the purchase price with flat-fee pricing and no appraisal or credit check. A Tri-Cities double close often crosses the Columbia River, from Benton County into Franklin County or back, and that line changes which recording office and which local real estate excise tax rate applies to each leg. Washington's own-account exemption keeps wholesaling outside real estate licensing, but a licensed escrow closing still runs the paperwork on both legs. Business-purpose only, and every structure is set in underwriting.

Transactional Funding in Tri-Cities, WA 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 Tri-Cities, answered.

Does it matter whether my double close is in Kennewick, Richland or Pasco?
Yes, because the metro spans two counties with two local transfer-tax rates. Kennewick and Richland sit in Benton County; Pasco sits in Franklin County. Local real estate excise tax runs 0.50% in every named city in the metro, including Kennewick, Richland, West Richland, Pasco, Prosser, Benton City and Connell, but drops to 0.25% on unincorporated Benton County land while staying at 0.50% on unincorporated Franklin County land. On a $600,000 rural parcel, that quarter-point gap is $1,500 in local REET alone, on top of the graduated state rate. Confirm which county each leg's parcel sits in before you price the exit.
Do I need a real estate broker's license to wholesale in the Tri-Cities?
No, not if you are working your own contract. Washington exempts "any person who purchases or disposes of property...for that individual's own account" from broker licensing under RCW 18.85.151(1). Buying and reselling your own equitable interest in a Kennewick, Richland or Pasco contract fits inside that own-account exemption; marketing a property you do not own, on behalf of someone else, for a fee, is brokerage and needs a license. Washington has no wholesaling-specific statute, disclosure mandate, or state guidance letter on assignments, so there is no extra paperwork layer on top of the exemption, on either side of the Columbia. Talk to a Washington real estate attorney about your specific contract language before you rely on it.
Is there a typical double-close process specific to Tri-Cities title companies?
No Tri-Cities-specific double-close norm or title-company practice has been sourced, so build around the statewide framework instead of a claimed local custom. Washington's escrow and Limited Practice Officer rules apply the same way here as anywhere else in the state. What is local is the two-county recording logistics above: budget time for whichever office, Benton or Franklin, is handling the leg that closes second, rather than assuming both counties move at the same pace.
What happens if my B-to-C buyer falls through on a Tri-Cities deal?
You can pivot to a rehab loan instead of losing the deal. If your end buyer walks or their financing falls through, our fix and flip loan funds up to 90% of purchase and 100% of rehab so you can renovate and resell instead of carrying an assignment that went sideways. That is a separate underwriting decision from transactional funding, and either way your closing still runs through a licensed Washington escrow office. Talk to us before your closing date, not after, so we can have terms ready if you need the fallback.
How much of my own cash does a Tri-Cities double close take?
Almost none on the A-to-B leg. We fund up to 100% of the purchase price on that leg, priced as a flat fee rather than a rate, with no credit check and no appraisal. What you still cover is your own closing costs and the excise tax on the leg you sell: local real estate excise tax runs 0.50% in every named city in this metro and 0.25% on unincorporated Benton County land, on top of the graduated state rate. Subject to underwriting.
My Tri-Cities end buyer needs a few weeks. Does transactional funding still work?
No. This is a same-day product. The term runs in days, not weeks, and it is built for a simultaneous close where B-to-C funds the same day A-to-B does. If your buyer needs real time, that is a different loan: our fix and flip loan carries the property on a 6-month interest-only term instead. Tell us which one you need before your closing date, not after. Subject to underwriting.

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
See the comparison
More in Tri-Cities

Other programs in Tri-Cities

Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
All Tri-Cities 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 2026-08-21.

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