Transactional funding for a same-day Yakima 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. Yakima County is a thin market, about 581 active listings countywide in July 2026, where off-market and assignment deal flow carries more weight than in a deeper metro. Any assignment touching Toppenish, Wapato, Harrah, White Swan or the surrounding unincorporated lower valley needs a trust-versus-fee title answer before the deal is worth pricing. Business-purpose only, and every structure is set in underwriting.
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.
*Typical terms, subject to underwriting and market conditions.
Local FAQ
Transactional Funding in Yakima, answered.
Do I need a real estate license to wholesale in Yakima?
Not under Washington's own-account exemption. RCW 18.85.151(1) exempts a person who buys or disposes of property, or an equitable interest in it, for their own account from real estate licensing. Washington has no wholesaling-specific statute or disclosure mandate the way some states do, so there is no bespoke local disclosure regime to describe here. Talk to your attorney about your own contract and assignment language, since the exemption covers your own account, not marketing someone else's property on their behalf for a fee.
Does a Yakima double close pay real estate excise tax twice, and does it matter which city?
Yes, both legs pay it, and the local add-on changes with the jurisdiction. On top of the graduated state REET schedule, the local rate, effective March 1, 2026, is 0.50% inside the City of Yakima, Selah, Sunnyside, Union Gap, Grandview, Granger, Mabton, Toppenish, Wapato or Zillah, but only 0.25% in unincorporated Yakima County and in Harrah, Moxee, Naches or Tieton. On a $400,000 leg, closing that leg inside the City of Yakima instead of unincorporated county costs $1,000 more in local REET alone. A double close prices this on each leg's own number, not once on a combined total, so model both legs before you size the spread.
Can I wholesale a property in Toppenish, Wapato, Harrah or White Swan?
Only after title confirms the parcel is fee simple, not trust land. Roughly 38% of Yakima County is Yakama Nation land, and Toppenish, Wapato, Harrah and White Swan sit inside the reservation boundary. Under 25 CFR section 152.34, trust or restricted land can be mortgaged only with the Secretary's approval, which requires its own appraisal process before it issues. Fee land inside the same boundary is a different question. We have no sourced figure for how much of the reservation is fee versus trust, and no BIA processing timeline, so get a title-company answer on fee-versus-trust status before you put this deal under contract, not after.
If I'm assigning a contract on irrigated valley land, does the water right change the deal?
Yes, confirm it in title before you assign anything. The Yakima River Basin is the only fully adjudicated watershed in Washington: the final decree entered May 9, 2019 confirmed roughly 2,300 water rights, and each right is appurtenant to the land itself, meaning it travels with the parcel rather than the seller. On a city lot in Yakima, Selah or Union Gap this question does not come up; on irrigated acreage, orchard or vineyard ground anywhere in the valley, the water right and its priority date are part of what your B-to-C buyer is actually acquiring. Get the adjudicated certificate confirmed by a Yakima County title company before you flip the contract, the same way you would confirm fee-versus-trust status in the lower valley.
Is deal flow in Yakima different from a bigger metro?
Yes, it is a thin market, and that is exactly where assignment funding earns its keep. Yakima County carried about 581 active listings in July 2026 against a population of roughly 266,000, a small pool where off-market and assignment volume matters more than in a deep metro with thousands of listings. That makes speed on the A-to-B leg worth more here: a wholesaler who can close same-day is competing for a smaller set of deals against fewer other buyers. We have not found a documented Yakima-specific double-close custom beyond the statewide mechanics above, so treat this as a market-size observation, not a claim about local closing habits.
What happens if my B-to-C buyer falls through on a Yakima 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 a Yakima A-to-B leg do you fund?
Up to 100% of the purchase price. On a $400,000 A-to-B leg in Yakima County that is the full $400,000, out for the hours between your two closings, with your B-to-C proceeds paying it off the same day. You still bring closing costs, and both legs of a Yakima double close pay their own real estate excise tax, so model the local rate on each leg rather than once on a combined total. Subject to underwriting.
Does my credit score stop me from doing a Yakima double close?
No. There is no credit check on this program at all, and no appraisal. The money is out for hours rather than years, and your end buyer's closing is what repays it, so the deal itself is what gets underwritten. What we do want is evidence that the B-to-C side is real and scheduled. In the lower valley that means a fee-versus-trust title answer in hand before the deal is worth pricing. Subject to underwriting.
How is a Yakima transactional funding deal priced, and how long can I hold the money?
A flat fee, and days not weeks. Pricing is a flat fee rather than a rate carried over months, and the term is measured in days, not weeks, because it exists to fund a simultaneous close. That is also why it is worth having lined up in a thin market: Yakima County carried about 581 active listings in July 2026, a small pool where closing the A leg on the day is what wins the deal. Subject to underwriting.
More Transactional Funding questions, answered on the program 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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