Missing an earnest money deadline can kill a deal or cost you leverage with the seller. EMD funding covers the deposit on time while title, insurance, valuation and the purchase loan run in parallel. We underwrite the deal, the contract and the closing plan.
EMD funding at a glance
| What it pays | The earnest money deposit on a signed purchase contract, wired to escrow or title |
|---|---|
| Repayment | At closing, from the acquisition loan, your funds or assignment proceeds |
| Best for | Tight deposit deadlines, off-market and auction deals, wholesalers, multiple contracts |
| Underwriting | Deal quality, contract terms and deadlines, and a realistic closing plan |
| Pairs with | Fix and flip loans (up to 90% of purchase + 100% of rehab, max 75% of ARV) and bridge loans (up to 75% of value) |
For a step-by-step explanation, costs and risks, read EMD funding: how earnest money deposit loans work. Related: hard money for wholesalers, transactional funding, financing off-market acquisitions.
What to send
- Signed purchase contract with deposit amount and deadline.
- Escrow or title contact and deposit instructions.
- Property address and your plan to close (loan, cash or assignment).
Send the contract and we respond quickly — term sheets within 24 hours on most requests.
Frequently asked questions
What is EMD funding?
Short-term capital that pays the earnest money deposit required by a purchase contract, sent directly to escrow or title and repaid at closing from the acquisition loan, your funds or assignment proceeds.
Who uses EMD lending?
Wholesalers, flippers with several contracts, auction and off-market buyers, and investors who want to keep cash free for rehab and reserves.
Does EMD funding change whether my deposit is refundable?
No. Refundability is set by your contract and its contingency deadlines. If the deposit goes hard and you walk away, it can be lost and the EMD funding must still be repaid.
What do you need to review an EMD request?
The signed contract, deposit amount and deadline, escrow contact and instructions, property address and your plan to close.
Updated by the Ambition Lending credit team.
