Inheritance Advance by State
First Heritage Funding serves heirs in 47 states. Find your state guide for local probate timelines, court information, and how to get a cash advance on your inheritance.
Probate and inheritance advances — every state we serve
Probate law varies significantly from state to state. Court structures, creditor claim periods, small estate thresholds, and procedural requirements are all different depending on where the deceased lived and where real property is located. Our state guides cover local probate timelines, court information, state-specific rules, and how to get a cash advance on your inheritance while you wait.
First Heritage Funding serves heirs in 47 U.S. states. We do not currently offer advances in Maryland, Virginia, or Connecticut. If you are unsure whether your estate qualifies, apply for a free quote or call (800) 617-7260.
Don't see your state listed as a full guide?
Even if your state doesn't yet have a dedicated guide page, we may still be able to help. Call us or apply for a free quote — our team will let you know within minutes whether your estate qualifies and how much you can access.
Why probate timelines vary by state
Every state has its own probate code. Some states have adopted the Uniform Probate Code (UPC), which standardizes and simplifies the process. Others maintain their own unique systems developed over decades. Key factors that vary by state include:
Creditor claim periods. The time creditors have to file claims against the estate ranges from as little as 30 days (in some UPC states) to seven months in New York. This mandatory waiting period sets the floor for how quickly any estate can close.
Small estate thresholds. States set different dollar thresholds for simplified probate procedures. California allows small estate affidavits for estates under $184,500 (indexed for inflation). Texas sets a lower threshold. Some states have no simplified procedure at all.
Court structure and volume. Some states have dedicated probate courts; others handle probate in general trial courts or surrogate courts. High-volume courts in large metropolitan areas — Los Angeles, New York City, Chicago — often have longer processing times than rural counties.
State estate and inheritance taxes. Most states have no state-level estate or inheritance tax. But states like New York, Massachusetts, Oregon, and others do — and the tax filing and clearance process adds time before assets can be distributed.
Our state guides cover these factors in detail for each state we serve. Find your state in the grid above, or read our national guide to how long probate takes.
State Coverage FAQ
We serve heirs in 47 U.S. states. We do not currently offer inheritance advances in Maryland, Virginia, or Connecticut. If you are unsure whether your state qualifies, call (800) 617-7260 for a free consultation.
The fastest way is to call (800) 617-7260 or fill out our online application. We can typically give you a preliminary answer within minutes based on basic information about the estate's location, value, and your role as an heir or beneficiary.
State law determines probate procedures, timelines, and court requirements — all of which affect how long you will be waiting and therefore how an advance might help. The advance mechanism itself is similar across states: we assign a portion of your expected share, fund you within 48 hours, and collect repayment from the estate at distribution.
When a deceased person owned real property in multiple states, each state's property typically requires its own separate probate proceeding (called ancillary probate in the non-domicile states). This adds complexity and time. We can still often help — contact us to discuss the specifics of your multi-state estate.
Yes. If you are a beneficiary of a trust that is taking longer than expected to distribute, a trust advance may be available. The process is similar to an inheritance advance and is available in most of the same states.
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