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Program 05
Transactional Funding in West Palm Beach
West Palm Beach double closings run on transactional funding.
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. Palm Beach County is not one market, so price each deal off its own submarket comp rather than a county median. 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 West Palm Beach, answered.
Does the Miami-Dade documentary stamp surtax apply to a West Palm Beach double close?
No, and this is the mistake to catch before you price a deal. Palm Beach County pays the plain statewide documentary stamp rate: 70 cents per $100 of consideration on the deed and 35 cents per $100 on the note and mortgage. The 60-cent-plus-45-cent surtax structure applies only in Miami-Dade County, where the extra 45 cents per $100 is a discretionary county surtax that "is not due on a document that transfers only a single-family dwelling." A wholesaler working South Florida deals across county lines will hear Miami-Dade numbers quoted as if they applied here. On a $300,000 A-to-B leg, Palm Beach deed stamps run $2,100 at that statewide 70-cent rate. In an A-to-B-to-C double close the tax hits both deeds, and note stamps hit both legs if both are financed, so price the full stamp stack on the Palm Beach rate before you sign.
Sources: floridarevenue.com, flsenate.gov
Who actually pays the deed stamps at a Palm Beach County closing?
The contract decides, even though the statute names the purchaser. Florida Statutes section 201.02 places payment of the deed tax on the purchaser, but in most Florida counties the seller customarily pays deed stamps by contract, and the allocation you negotiate is what controls at the closing table. On a double close that matters twice: you are the buyer on the A-to-B leg and the seller on the B-to-C leg, so a default clause you never read can move a few thousand dollars in either direction. Read the tax allocation language on both contracts before you sign.
Sources: flsenate.gov, floridarevenue.com
Why do assignment spreads vary so much across Palm Beach County?
Because the county is not one market. As of June 2026, the town of Palm Beach carries a $2,145,595 home value index, more than 10 times Pahokee's $210,145, in the same county on the same tax roll. Working investor submarkets run from $402,831 in Boynton Beach and $403,887 in West Palm Beach up to $575,479 in Boca Raton and $702,538 in Jupiter, while the Glades communities of Belle Glade, Pahokee and South Bay sit at $210,000 to $290,000 in an agricultural economy. A spread that works in West Palm Beach or Boynton Beach does not translate to Jupiter or Boca Raton, and neither translates to the Glades. Price each deal off its own submarket comp, not a county median.
Do I need a Florida real estate license to wholesale in Palm Beach County?
It turns on whether you are acting for yourself or for another. Florida Statutes section 475.01(1)(a) requires a license to sell, exchange, buy or rent real property "for another" for compensation, with no express exemption for a person selling their own equitable interest under contract. The customary reading is that assigning your own contract sits outside "for another," while marketing the underlying property on a seller's behalf does not. That is a legal characterization, not settled ground, and we are a lender, not your counsel. Have a Florida real estate attorney review your contract and your marketing language before you run the play.
Sources: flsenate.gov
How does Florida's judicial foreclosure affect deal flow in Palm Beach County?
Distressed supply moves through the 15th Judicial Circuit, not a courthouse auction on short notice. Every Florida foreclosure runs through the circuit court, and the national average time to complete a foreclosure was 563 days in the second quarter of 2026, with Florida leading the nation in foreclosure rate in the first half of that year. A Palm Beach County or 15th Judicial Circuit-specific completion timeline was not available at a citable source, so we will not put a number on it. Our own remedy on the A-to-B leg runs through the same court system, which is part of why Florida transactional terms price the way they do.
Sources: attomdata.com
What should I check before I commit to a Palm Beach County resale date?
Inventory is tight and getting tighter, which cuts both ways. As of July 2026, active listings in Palm Beach County were down 20.4 percent year over year to 10,613, the sharpest inventory contraction of any Florida metro in our research, with median days on market improved to 80 and the share of listings with a price cut down from 19.1 to 15.9 percent. That favors a correctly priced end sale, but it is not a market where your B-to-C buyer closes in two weeks flat. No current Palm Beach County flip-rate or ROI figure exists in our research; the metro does not appear in ATTOM's published Q1 2026 flip lists, so we will not cite one. Our transactional funding is repaid from the simultaneous resale, so get your end buyer's proof of funds and lender timeline before you set a closing date.
Sources: attomdata.com
Do I need a down payment for a West Palm Beach double close?
Not on the purchase itself. We fund up to 100% of the A-to-B leg. What you still bring is the closing cost stack, and in Palm Beach County the doc stamps are the line to price first: at the statewide 70 cents per $100, a $300,000 A-to-B leg runs $2,100 in deed stamps (300,000 / 100 x 0.70 = 2,100), and in a double close the deed tax hits both legs. Pricing is a flat fee, not a rate you carry for months, and there is no credit check and no appraisal on this product. Subject to underwriting.
Sources: floridarevenue.com
How long can transactional funding stay outstanding on a West Palm Beach deal?
Days, not weeks. It is repaid out of the simultaneous close. If your B-to-C buyer is not funded and ready, this is the wrong product for the gap. That is worth checking twice in Palm Beach County right now: median days on market sat at 80 as of July 2026 with active listings down 20.4 percent year over year, so a correctly priced end sale is meeting less competition, but it is not a market where an end buyer reliably closes in two weeks. Get proof of funds and the end lender's timeline before you set the date. 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 West Palm Beach
Other programs in West Palm Beach
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 2026-08-13.
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