Send funds securely

Ready to save time at closing? Choose one of our transfer options to make your real estate experience faster, easier, and more secure.

Payment types

Federal Reserve Wire Transfer

Cost
Bank fees typically $15–$50
Consumer responsible for any fees
Limit
No limit
Eligibility & Usage
Suitable for large transactions
Required for purchase cash transactions (timing requirement applies)
How to Send
Typically requires in-person visit to bank
Timing
Must be initiated at least 2 days before closing (purchase transactions)
Bank processes within ~24 hours of instructions (per UI)
State Restrictions & Limits
None

Automated Clearing House (ACH)

Log in to Rocket Close to send payment

Cost
Little to no cost (varies by bank)
Limit
Up to $150,000
Eligibility & Usage
Only for primary residence transactions
Not accepted for purchase cash transactions
Requires lender approval
ACH transfers must be initiated and sent from Rocket Close’s secure portal. ACH transfers initiated through your bank will not be accepted.
How to Send
Initiated digitally via the Rocket Close Portal
Timing
Must be initiated by midnight on closing date
Funds withdrawn within 24 hours after closing
After closing: limited to state personal check limits
State Restrictions & Limits
Not accepted in: Texas (TX), South Carolina (SC), Hawaii (HI)
Additional limits:
$2,500: Kansas (KS), Missouri (MO)
$5,000: Georgia (GA), North Carolina (NC), West Virginia (WV)
$500: Florida (FL), Indiana (IN), Utah (UT)
$1,500: All other states (post-closing limit)

Cashier’s Check / Official Check / Treasury Check

Cost
Bank may charge issuance fees
Limit
Up to $50,000
Eligibility & Usage
Bank-issued guaranteed funds
How to Send
Must be obtained via in-person bank visit
Must be brought to closing
Timing
Provided at closing
State Restrictions & Limits
$10,000 limit: Indiana (IN), Ohio (OH)

Money Order

Cost
Fees may apply (set by issuer)
Limit
Up to $1,500
Eligibility & Usage
Issued by authorized agents (e.g., financial institutions)
How to Send
Must be obtained via in-person bank visit
Must be brought to closing
State Restrictions & Limits
$500: Florida (FL), Indiana (IN), Utah (UT)
$1,000: New Jersey (NJ)

Personal Check

Cost
Typically no cost
Limit
Up to $1,500
Eligibility & Usage
Must be from consumer’s personal bank account
How to Send
Must be brought to closing
State Restrictions & Limits
$500: Florida (FL), Indiana (IN), Utah (UT)
$1,000: New Jersey (NJ)

Account Transfer / Direct Deposit

Cost
N/A
Limit
N/A
Eligibility & Usage
Not accepted as a form of payment