Tool · Foreign-buyer financing
Calculate your monthly payment instantly. Defaults set for non-US-resident buyers: 30% down, 6.5% rate, 25-year term.
For non-US residents, lenders typically require a 25-35% minimum.
Conventional foreign-buyer rates in Miami: 5.85-7% (June 2026).
Instant estimate
Estimated monthly payment (principal + interest)
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This tool estimates the monthly principal + interest payment of a conventional mortgage to buy property in Miami. The defaults are calibrated for the typical non-resident buyer scenario: 30% down, fixed 6.5% rate (current range as of June 2026), 25-year amortization.
To reach the real monthly cost of ownership, add to the P&I (principal + interest):
If you are a non-US-resident buyer, the lenders that typically accept your profile are: foreign-national mortgages from Florida-based banks (Bank of America, City National, Banesco USA), private lenders specialized in cross-border deals, and developer financing on pre-construction.
The typical process: initial approval in 5-10 days with income documentation from your home country, international credit verification, and 25-35% down. Remote closing via power of attorney is standard.
If you have a specific property in mind (anywhere in Miami-Dade or Broward), I'll send you a personalized projection: real monthly payment with taxes + HOA + insurance + neighborhood comparables + concrete financing options with market lenders. Write to me here.