Transactional Funding Fees
Our fees are flat and published so you can underwrite the funding cost into your offer before you tie up a property. The schedule below is the same one shown on every page of this site, and it does not change by city or by deal.
The full schedule
| Funding Amount | Fee or Detail |
|---|---|
| Up to $500K | 1% ($1,000 minimum) |
| $500K to $1M | 1.25% |
| $1M to $1.5M | 1.50% |
| Additional days | 0.2% per day |
| Two title or closing companies | 1.75% |
| Funding over $1M | Longer due diligence |
| Morby Method | Fees paid upfront via Zelle or wire |
| Additional paperwork or special terms | 1.75% or a per-document fee at our team's discretion |
The math on real numbers
These are illustrative examples using the schedule above, not quotes for any specific deal.
| Example | Fee Calculation |
|---|---|
| $300,000 purchase | 1% tier: $3,000 |
| $80,000 purchase | 1% would be $800, so the $1,000 minimum applies: $1,000 |
| $750,000 purchase | 1.25% tier: $9,375 |
| $1,200,000 purchase | 1.50% tier: $18,000 |
| Extra day on $400,000 | 0.2% per day: $800 for each additional day the funds are out |
| Two closing companies on $500,000 | 1.75%: $8,750 |
What changes the fee
Four things move the number. The funding amount sets the tier. Extra days beyond the same-day hold add 0.2% per day. Using two title or closing companies instead of one moves the fee to 1.75%. And additional paperwork or special terms can carry a 1.75% fee or a per-document fee at our team's discretion.
Funding over $1M also gets a longer due diligence window, so larger files benefit from an earlier submission. Morby Method structures follow the schedule with fees paid upfront by Zelle or wire.
How to underwrite the fee into your offer
Work backward from your resale. Take the expected resale price, subtract the purchase price, then subtract the funding fee from the schedule and an allowance for closing costs on both transactions. What remains is your margin, and it needs to be worth the work before you sign the purchase contract.
On a $300,000 purchase resold at $360,000, for example, the 1% fee is $3,000. Whether the remaining spread works depends on the closing costs on your file, which the closing office can estimate before you commit. The process the fee pays for is laid out in how double closing works in Georgia.
Common questions about fees
When is the funding fee paid?
The fee typically comes out of the resale proceeds at closing, along with the repayment of the funded amount. You do not pay it out of pocket before the deal closes. Morby Method structures are the exception: those fees are paid upfront by Zelle or wire, as the schedule lists.
Is there a minimum fee?
Yes. On funding up to $500K the fee is 1% with a $1,000 minimum, so smaller deals pay the $1,000 minimum when 1% would be less.
What happens if the closing is delayed?
Transactional funding is priced for a same-day hold. If the resale side moves and the funds stay out longer, the additional day fee of 0.2% per day applies for each extra day, as listed in the schedule.
Do the fees change by city or county?
No. The same published schedule applies everywhere we fund across metro Atlanta, from the City of Atlanta to the surrounding counties.
Are there fees beyond the schedule?
The schedule covers the funding itself, including the additional-day, second-closing-company and special-paperwork lines. Closing costs charged by the closing attorney's office are separate from our fee and vary by file.
Run your deal against the schedule
Submit the deal and we will review the numbers. Funding can be ready in as little as 24 hours once we have the deal details and closing office information.
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