How to Buy Property with Financing in Costa Rica (2025 Guide)

Mark Savoia
Jul 26
2 min read

Yes, foreigners can now buy property in Costa Rica with real financing and without 50% down or crazy interest rates.

For decades, foreign buyers in Costa Rica were forced to pay cash or use private lending options with high interest rates. But in 2025, Costa Rica Playbook has new programs that make buying with financing a realistic, secure option.

What’s New in 2025?

Costa Rica Playbook now offers a financing program exclusively for clients from the U.S., with Canadian financing coming soon.

Here’s what you can expect:

Down Payment: 25%
Interest Rate 8%
Eligible Properties: Commercial, Residential and Land
Availability: US Citizens, ( opening up to Canadians at the end of the year)

Current Program Offerings:

30-Year Fixed – Lock in your rate for the full term with predictable monthly payments
5/6 Adjustable (ARM) - Fixed rate for 5 years, adjusts every 6 months after
7/6 Adjustable (ARM) - Fixed for 7 years, adjusts every 6 months after

Additional Charges:

Origination Fee: 2.5% of loan amount
Underwriting Free $1,895
Appraisal, and standard home closing costs

Who Qualifies?

U.S. citizen with proof of income or asset backing
Purchasing titled property in Costa Rica
Working through Costa Rica Playbook (this is not a public bank loan)

You don’t need residency to qualify.

Real Example: Financing Breakdown

What would financing look like for a home priced at $849,000 USD

$849,000 3 Bed 3 Bath Home in Uvita — **$849,000** 3 Bed 3 Bath Home in Uvita | More Info

Financing Option 1

• 65% Loan-to-Value

• $297,150 down (35%)

• 8.875% estimated interest rate

• $551,850 loan amount

• $4,391/month estimated payment

Financing Option 2

• 70% Loan-to-Value

• $254,700 down (30%)

• 9.250% estimated interest rate

• $594,300 loan amount

• $4,889/month estimated payment

Note: This does not include taxes, insurance, or closing costs.

What Makes This a Big Deal?

Until recently, options like this didn’t exist. Not through banks, who wont loan to foreigners, not through agents, and certainly not with this kind of down payment or fixed rate.

We’re making it possible for Americans (and soon Canadians) to: