The Ultimate EMD Calculator: Quick, Accurate, and Stress-Free

Maximize your Earnest Money Deposit effortlessly! We know that understanding your numbers is key to confident decision-making. That’s why we’ve created the EMD Calculator—a fast, accurate, and easy-to-use tool to reveal your potential returns and fees in seconds. Take control today!

How Does It Work?

Here’s how you can use the EMD Calculator:

1. Enter Your EMD Amount
   Input the value of your Earnest Money Deposit (in USD) into the calculator.

2. Understand the 40% Return
   The calculator automatically applies a flat 40% return rate on your EMD.

   Example: If your EMD is $5,000, the return would be $7,000 (original amount + 40%)

3. Account for the Non-Refundable Fee
   A fixed $250 non-refundable fee is included in the calculation for a precise breakdown.

4. View Your Final Numbers
   The tool instantly calculates and displays:

   • Total Return (original EMD + 40%)

   • Final Amount (after adding the fee)

Example Calculation:

If a deal is worth $100,000 in TX, the fees might look like:

• Minimum EMD: $2,250 ($2,000 + $250).

• Application Fee: $300.

• 1.5% of $100,000: $1,500.

State-Specific Minimum EMD (Earnest Money Deposit):

For transactions in Texas (TX), Iowa (IA), Nevada (NV), and California (CA):
The minimum Earnest Money Deposit (EMD) required is $2,000 plus $250.

Application Fee and Percentage Fees (National Transactions):

For transactions across the nation, the following fees apply:

Application Fee: $300.

Additional Charge: 1.5% of the Deal Cost (DC).

Example Calculation:

If a deal is worth $100,000 in TX, the fees might look like:

Minimum EMD: $2,250 ($2,000 + $250).

Application Fee: $300.

1.5% of $100,000: $1,500.

Why Use the EMD Calculator?

This calculator isn’t just about numbers; it’s about empowering you with transparency and simplicity:

• Saves Time: No need for manual calculations or complex formulas.

• Offers Accuracy: Get precise results tailored to your EMD amount.

• Provides Insights: Understand the impact of fees and returns at a glance.

Quick Example

Let’s say your EMD is $10,000:

• Total Return: $10,000 + 40% = $14,000

• Non-Refundable Fee: $250

• Final Amount: $14,000 + $250 = $14,250

With just a few clicks, you’ll know exactly what to expect.

Ready to Take the Next Step?

After calculating your EMD, you can submit a funding request directly through Microlend Services. We’re here to make real estate investing more accessible and stress-free.