For the free boundary dynamics of the two-phase Hele-Shaw and Muskat problems, and also for the irrotational incompressible Euler equation, we prove existence locally in time when the Rayleigh-Taylor condition is initially satisfied for a 2D interface. The result for water waves was first obtained by Wu in a slightly different scenario (vanishing at infinity), but our approach is different because it emphasizes the active scalar character of the system and does not require the presence of gravity.