
Closing Cost & Ownership Calculator
Estimate your cash to close — transfer tax, stamps, notary and escrow — plus the annual property and luxury taxes most buyers forget to budget for. Honest numbers, buyer-side.
Your Purchase
In Costa Rica, transfer tax and stamps are legally the buyer's, while the notary/legal fee is customarily split — but everything is negotiable. "Split 50/50" reflects the most common arrangement.
Estimated cash to close
Assumes an all-cash purchase. Financing adds bank & legal fees.
One-time closing costs
Estimated annual ownership costs
Read The Fine Print
These are the lines that vary by property and deal — the reasons a real quote comes from your attorney, not a calculator. Budget for them, and never skip the due diligence (it's how buyers avoid the horror stories).
Rates reflect current Costa Rican law (2026) and are estimates for planning only — confirm exact figures with a licensed attorney. Transfer tax 1.5%; registry & documentary stamps ~0.8%; notary/legal fee ~1.25% (regulated, 1–2%); annual property tax 0.25%; Luxury (Solidarity) Home Tax applies when the construction value exceeds ~₡143M, charged 0.25–0.55% on total value (we assume construction is ~70% of price; FX ₡510/$).

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