How much cash do I need to flip a house in Missouri?

The short answer, as of October 2026

• First flip: 3 programs, from $29,031 to $36,330 to close, with as little as 10% down.
• Down payment on Fastest Close (3 days): $16,000, plus $13,031 of closing costs.
• Best rate on a first flip: 9.49% on Best Rate (700+ credit).
• With 2+ completed flips: $14,407 to close on 100% Financing, 2+ Flips.

Capital Kings LLC is a broker, not a lender. We compare every file across 400+ lenders and send the term sheet with every fee on it before you sign.

Every dollar, line by line

A $160,000 purchase, a $40,000 rehab and a $290,000 after repair value in Missouri, 720 credit. The real term sheet:

Fastest Close (3 days)100% Financing, 2+ Flips

Open the full term sheet →

Cash to close$29,031

Proof of funds to show$52,062

Where the $29,031 goes

• Down paymentEquity$16,000
• Appraisal feeAppraiser$550
• Prepaid interestLender$907
• Origination and lender feesLender$4,429
• Broker feeBroker$2,000
• Closing / titleTitle co$3,245
• Property insuranceInsurer$1,900

Proof of funds adds $23,031 that stays in your account: part of the rehab and six months of interest. The gold broker line is the only money Capital Kings earns.

A sample sheet for a made-up borrower, built the same way yours is. Yours takes about five minutes and doesn’t pull your credit.

Compare the options

More down usually buys a lower rate, and a track record opens the low-down programs. Every program here is one we place in Missouri.

Your first flip in Missouri

$160,000 purchase, $40,000 rehab, $290,000 after repair value, 720 credit, no completed flips. Closing costs are origination, the lender’s fees, our 1% broker fee, title, insurance, the appraisal and prepaid interest. Proof of funds is cash you show in the bank on top of cash to close; it stays in your account. Rates as of October 2026.

After a few completed flips

The same deal. Each program names the completed flips it needs. Where a rate shows a range, the lender picks the rate inside that range for each file, and some of these programs verify more cash in your account than shown here. Rates as of October 2026.

Where the numbers come from

A fix and flip loan covers the purchase and the rehab on one loan. The purchase funds at closing; the rehab is released in draws as the work is inspected, and interest is charged only on what has been drawn.

Cash to close is the down payment plus the closing costs: origination, the lender’s fees, title, a year of insurance, the appraisal, prepaid interest and our 1% broker fee. On Fastest Close (3 days) that is $16,000 down and $13,031 of closing costs, $29,031 in all.

Proof of funds is cash the lender wants to see in your account on top of what you bring to closing, so a slow sale or a late contractor does not stall the project. It is not spent at closing. On this deal it is $52,062 on Fastest Close (3 days).

We place investor loans in Missouri and 36 other states, comparing each deal across 400+ lenders. Business-purpose loans only.

Four things to check

• Run the after repair value first.Every program caps the loan at a share of the after repair value, so the appraisal decides how much you bring.
• Budget proof of funds, not just cash to close.On Fastest Close (3 days) the lender checks $52,062 against $29,031 to close.
• Count your completed flips.Programs that need a track record cut the cash to close to about $14,407 here.
• Itemize the rehab.Draws are released line by line after inspection.

Straight answers