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Program 05
Transactional Funding in Vancouver
Transactional funding that carries a Vancouver double close.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C. Short-term transactional capital that bridges the gap and keeps your deal on schedule. A Vancouver or wider Clark County double close pays Washington's real estate excise tax on both legs, so the exit math runs differently than in a no-transfer-tax state. Business-purpose only, and every structure is set in underwriting.
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
*Typical terms, subject to underwriting and market conditions.
Local FAQ
Transactional Funding in Vancouver, answered.
Do I need a real estate broker's license to wholesale in Vancouver, Washington?
Not under Washington's general owner exemption. RCW 18.85.151(1) exempts from broker licensing any person who purchases or disposes of property for that individual's own account. Buying and reselling your own equitable interest fits inside that exemption; marketing 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 or disclosure mandate on top of that, so there is no bespoke paperwork regime layered on top of the ordinary contract. Talk to a Washington real estate attorney about your specific assignment language before you rely on this answer.
Does a Vancouver double close pay real estate excise tax on both legs?
Yes, each leg is its own sale and each pays its own tax. Washington's real estate excise tax is graduated at the state level, and every named city in Clark County except Yacolt stacks a flat 0.50 percent local rate on top. On an 800,000 dollar Vancouver sale that works out to roughly 9,295 dollars of state REET plus 4,000 dollars local, about 13,295 dollars, or 1.66 percent of price, on that one leg alone. A double close through Vancouver runs that math twice, once on the A-to-B leg and again on B-to-C, so the tax line is a real cost of the structure here, not a rounding error. No Clark County-specific double-close customs beyond the tax stack were confirmed, so talk to your closing agent about how your specific contract allocates it.
Who actually closes my transactional funding deal here, an attorney or a title company?
Escrow, not an attorney's office. Washington closes real estate through licensed escrow agents under the Escrow Agent Registration Act, with a licensed escrow officer supervising every transaction, and Limited Practice Officers prepare the closing documents at the escrow or title company. That is a different closing culture than an attorney-closing state, and it applies the same way to both legs of a Vancouver double close. Confirm with your escrow company how they sequence a same-day A-to-B and B-to-C closing before you set your dates.
Does the double-close tax math change if my deal is in Camas or Ridgefield instead of Vancouver?
Not for the transfer tax line. The same flat 0.50 percent local real estate excise rate applies in Vancouver, Camas, Washougal, Battle Ground, Ridgefield and La Center, stacked on the same graduated state tiers everywhere. Only Yacolt levies a lower local rate, and Salmon Creek and Hazel Dell, which are unincorporated Clark County rather than cities, carry the county's own rate structure instead of a city one. Knowing that Salmon Creek and Hazel Dell are unincorporated, not cities, is worth getting right before you quote a buyer.
Does Washington's usury law affect how transactional funding is priced?
No, and that is exactly why flat-fee pricing works here. RCW 19.52.080 bars corporations, LLCs, partnerships and other entities from pleading usury at all, and separately shields any business or investment-purpose transaction regardless of the borrower's form. A wholesale double close financed for business purposes falls inside that shield, which is part of why a flat-fee, no-appraisal structure is workable across Vancouver and the rest of Clark County.
What if my B-to-C buyer falls through in the middle of a Vancouver double close?
You are not stuck holding the deal. If your end buyer walks or their financing falls apart, our fix and flip loan funds up to 90 percent of purchase and up to 100 percent of the rehab budget, so you can renovate and resell instead of eating the carry on a stalled assignment. That is a separate underwriting decision from transactional funding, and either way your closing still runs through a licensed Washington escrow company, not an attorney trust account. Talk to us before your closing date, not after, so we can have terms ready if you need the fallback.
Do I need a down payment for a Vancouver transactional funding deal?
No. We fund up to 100 percent of the purchase on the A-to-B leg. Pricing is a flat fee rather than a rate, and the close is simultaneous, so your own cash is not what carries the A side. What you do have to bring is the tax: a Vancouver double close pays Washington real estate excise tax on both legs, roughly 13,295 dollars on an 800,000 dollar leg, about 1.66 percent of price. Budget that and your escrow costs, not a down payment. Subject to underwriting.
How long can I hold Vancouver transactional funding?
Days, not weeks. The money exists to carry the A-to-B leg through a simultaneous close, so the B-to-C sale funds the payoff the same day in most files. That is why there is no credit check and no appraisal on this program. It also means the structure only works when your end buyer is real and funded. If the B-to-C side slips, the fallback is a different loan, not a longer transactional term, so tell your escrow company and tell us before the closing date rather than 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 Compare
Transactional Funding vs. other options
More in Vancouver
Other programs in Vancouver
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
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 2026-08-15.
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