EMD Funding in Kentucky | Swift Deal Funding
How EMD Funding Works in Kentucky
EMD funding puts up the earnest money deposit so you can lock a Kentucky property without committing your own cash. We wire the deposit — typically $5,000–$25,000 — directly to the closing attorney’s office named in your contract, usually within 24 hours of a complete application and confirmation. The deposit stays refundable to you under the contract’s inspection or due-diligence terms.
Kentucky is a growing wholesale market with strong investor networks. Louisville carries deep rehab inventory, Lexington’s Bluegrass scene is expanding, and Bowling Green adds secondary flow. EMD funding lets active Kentucky wholesalers keep several contracts open at once without draining working capital across deposits.
Pricing for EMD Funding in Kentucky
Two flat-fee options on every deposit:
| Option | Upfront | At Close | Best For |
|---|---|---|---|
| A | 5% of EMD (min $500) | 20% of EMD | High close-through rates |
| B | 10% of EMD (min $1,000) | 0% | Predictable per-deal cost (most popular) |
A $7,500 Louisville EMD under Option B costs $1,000 total — paid once, nothing at closing.
Document Requirements
- Executed purchase contract with refundable EMD language
- Kentucky closing attorney / settlement office contact
- Written confirmation from the attorney that the EMD is refundable per contract
- Your ID
No credit check, no income verification, no tax returns. Local note: because Kentucky earnest money usually sits in the closing attorney’s escrow, get the attorney’s written refundability confirmation — it’s the document we release against.
Why Kentucky Investors Use EMD Funding
EMD funding solves a timing problem: you want to tie up a property before a competitor does, but you don’t want your cash frozen in escrow while you finish due diligence or line up a buyer. A Lexington wholesaler running several contracts would otherwise have $20,000-plus locked across deposits. EMD funding keeps that capital free for marketing and dispositions.
Apply for EMD Funding in Kentucky
Submit your contract and Kentucky closing attorney contact online — about ten minutes. Complete files before 11 AM Eastern can wire same-day. We coordinate directly with the attorney’s office.
Frequently Asked Questions
Where is my Kentucky earnest money held? +
With the closing attorney's office handling the deal. Kentucky is an attorney-closing state, so earnest money is typically held in the attorney's escrow account rather than at a standalone title company. We wire the deposit directly to that attorney — usually within 24 hours of a complete file and confirmation — and never to you. You provide the attorney's contact and the executed contract; we handle the wire and confirm receipt.
What earnest money amounts are typical for Kentucky deals? +
Kentucky's moderate price points keep deposits reasonable — we commonly fund EMDs from $5,000 up to about $25,000, with most Louisville and Lexington wholesale contracts toward the lower-to-middle of that band. A stronger deposit can sharpen an offer on a competitive Bluegrass listing, but it's rarely required. We fund whatever the contract specifies within that range, provided the EMD language is refundable.
Does the EMD have to be refundable in Kentucky? +
Yes. We fund only earnest money that's refundable to you under the contract's inspection or due-diligence terms, and we ask the closing attorney to confirm that in writing before we release. Because Kentucky is a wet-funding, attorney-closing state, the deposit genuinely sits in the attorney's escrow, which keeps the refundability mechanics clean. If your contract makes the EMD non-refundable or hard, we can't fund it.
Apply for EMD Funding in Kentucky
Submit your application online — same-day decisions for complete files before 2 PM Eastern.