Your Loan

Set the terms

Home price (USD)

Down payment 30% · $150,000

Interest rate 7.5%

Loan term

Reality check: Costa Rican bank financing for non-residents is limited — shorter terms, higher rates and significant documentation. Many buyers instead finance through a home-country HELOC or refinance and pay "cash" here. Rates are yours to set.

Estimated monthly payment

Principal & interest only — taxes, insurance and HOA are separate.

Loan summary

See your financing options →

Before You Borrow

Financing here works differently.

This estimates principal and interest on any loan you model. What it can't show is whether you'll qualify locally — that's where Costa Rica diverges sharply from home, and where most foreign buyers choose a different path entirely.

Cash is the norm — most foreign buyers pay cash; it's cleaner, faster and strengthens negotiation.
Local lending is limited — non-resident mortgages are harder to qualify for, shorter and pricier.
Home-country equity — a HELOC or refinance often beats chasing a local loan.
Not included — property taxes, insurance, HOA and closing costs sit on top of P&I.

The Financing Guide → Closing Cost Calculator → The Buying Guide →

Payment is an exact principal-and-interest amortization for the figures you enter; it is an estimate for planning, not a loan offer or financial advice. Confirm real rates and terms with a licensed lender.

Last reviewed June 2026

Written and maintained by CR Property Insider — buyer-side real-estate & relocation advisors based in Tamarindo, Guanacaste. Our guidance reflects firsthand, on-the-ground experience working with buyers across the Gold Coast.

What would financing actually cost?

Set the terms

Financing here works differently.

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