No foreign mortgage, no local bank hurdles. Set the price, your down payment, the rate and the term to see your monthly payment and what the deal really costs, in seconds.
Owner-financing terms in Costa Rica are set between you and the seller and vary widely, this tool lets you model any scenario. We'll help you negotiate the real ones.
Illustrative estimate using standard amortization. Actual owner-financing terms (rate, term, balloon, fees) are negotiated with the seller. Not a loan offer or financial advice.
With owner (seller) financing, the seller acts as the bank: you pay a down payment and monthly installments directly to them, with no foreign mortgage. It is common in Costa Rica because traditional bank lending to non-residents is slow and limited. Here's what buyers ask us.
Folio puts Costa Rica's official land records in your pocket.