Estimates only. Exact figures arrive with your written terms, typically the same day.
What this calculator tells you
Echo is short-term funding for the end buyer's down payment on the back half of a double close - repaid out of the deal's spread on the same settlement statement. This calculator runs the one check that decides every Echo: is the spread between the A-B price and the B-C price big enough to cover the funding plus the fee? If it is, you'll see what's left for the wholesaler. If it isn't, you'll see exactly how short it is - and the usual fix is raising the B-C price, appraisal permitting.
The B-C price has to be supported by the appraisal - that's what sizes the primary loan and creates the spread in the first place.
How to use it
- Enter both legs: what the wholesaler is paying (A-B) and what the end buyer is paying (B-C).
- Set the primary lender's percentage of the B-C price - the loan amount shows beside it.
- The fee is a pre-filled estimate with a minimum floor - editable like everything else.
- Slate result: the spread covers the funding. Orange: it comes up short, and by how much.
New to the structure? Read the Echo Method deep dive or ask in the community. When the spread covers it, hit Submit - the funding request pre-fills the funded amount.
Got a deal? Get funded. Real quick.
Two-minute form · same-day decisions on most deals · all 50 states.