Mexico Mortgage Calculator
Estimate what a home in Mexico will actually cost you, in two minutes. This is the first mortgage calculator built for U.S. buyers purchasing in Mexico. It shows your monthly payment in U.S. dollars and your full cash to close, including the Mexico-specific items most calculators leave out. Enter a purchase price, adjust your down payment and term, and see real numbers based on how MoXi® loans work.
1
Enter your price
Put in the purchase price of the home you are looking at, in U.S. dollars. The calculator pre-fills the minimum down payment and a default rate and term.
2
See your payment
Watch your monthly principal and interest update live, broken out with insurance, property tax, fideicomiso, and servicing so you see the whole picture, not just the headline number.
3
See your cash to close
Buying in Mexico is more cash-intensive than the U.S. The calculator estimates everything you need at closing, including acquisition tax, appraisal, and translation, so there are no surprises.
Built specifically for foreigners buying in Mexico. It accounts for the fideicomiso, acquisition tax, Mexican appraisal, and translation fees, the costs that make a Mexico purchase different from a U.S. one.
Frequently asked questions
How much will my mortgage payment be on a home in Mexico?
It depends on your purchase price, down payment, rate, and term. As an example, a $500,000 home with $200,000 down on a 25-year MoXi loan estimates to roughly $2,900 a month all in, including principal, interest, insurance, property tax, fideicomiso, and servicing. Use the calculator above for your own numbers.
How much cash do I need to close on a property in Mexico?
More than you would expect from a U.S. purchase. Beyond the down payment, you have acquisition tax, appraisal, notary and closing costs, fideicomiso setup, and translation. Closing costs generally run 5% to 10% of the purchase price. The calculator estimates your full cash to close.
What costs does the calculator include?
Down payment, principal and interest, hazard insurance, property tax (predial), fideicomiso fees, monthly servicing, and the one-time closing items: acquisition tax, appraisal, and translation.
Are MoXi loans in dollars or pesos?
U.S. dollars. Your loan is funded and serviced in dollars and your rate is fixed for the full term, so there is no exchange-rate risk if you earn in dollars. Enter your price in dollars, not pesos.
What down payment does the calculator assume?
It pre-fills the MoXi minimum, which lends up to 65% of value, so about 35% down. You can raise the down payment to see how it changes your payment.
Does using the calculator commit me to anything?
No. It is a free estimate. When you are ready, you can get pre-approved, which typically takes less than 72 hours.
