What are typical owner-financing terms in Costa Rica?

Terms vary and are negotiated deal by deal — down payments are often higher than a US mortgage and terms shorter, sometimes with a balloon payment at the end.

Can foreigners use owner financing in Costa Rica?

Yes. Foreigners have the same property rights as citizens, and owner financing is one of the most common ways non-residents buy because it avoids the local-bank mortgage process.

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Own Costa Rica property — financed by the owner, not a bank.

Q: What is owner financing in Costa Rica?

The seller finances the purchase directly: you make a down payment and pay the balance in installments to the seller over an agreed term, instead of borrowing from a bank. Title typically transfers with a mortgage registered in the seller's favor until you finish paying.

Q: Is owner financing safe?

It can be, with a properly drafted promissory note and a registered mortgage protecting both sides. An independent attorney is essential.

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.

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Property price (USD)

$50K$3M

Down payment 40% · $180,000

10%80%

Interest rate 7%

0%15%

Term 5 yrs

1 yr20 yrs

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.

Your estimate

Estimated monthly payment

$5,346

over 60 months

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.

How it works

Owner financing in Costa Rica, explained

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.

What is owner financing in Costa Rica?

What are typical terms?

Can foreigners use owner financing?

Is owner financing safe?

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