Marzo 2026 · 7 min de lectura
Budget 40–45% of the purchase price total
Not just the down payment — closing costs add 5–8% on top. This article itemizes every line.
HipoTech application fee
{applicationFee} USDAt application · Covers credit assessment, document formatting, and multi-bank distribution.
Specialist Review add-on (if applicable)
+{premiumFee} USDIf triggered · Additional underwriting work for the human reviewer pathway. Non-refundable.
Transfer tax (Impuesto a la Transferencia)
3% of property valueAt closing · Calculated on the higher of purchase price or appraised value. Paid to DGII. The single biggest closing cost.
Registro de Títulos fee
0.5–1% of valueAt closing · Fee to register the new title certificate in your name.
Stamp taxes (timbres)
Minor, variesVarious stages · Small fees on notarized documents.
Notary/attorney fee for title transfer
1–2% of valueAt closing · Drafting and notarizing the deed, registering the transfer, and representing you.
Title search fee
$200–500 USDBefore application · Preliminary examination of title history.
Loan origination fee
1–2% of loan amountAt closing · The bank's charge for creating the loan. Not all banks charge this.
Study or evaluation fee
$100–300 USDDuring underwriting · Some banks charge to formally evaluate your file.
Property appraisal (residential)
$400–800 USDDuring underwriting · Must be from an appraiser on the bank's approved list.
Para una propiedad residencial de $200,000 comprada por un extranjero no residente:
Eso es aproximadamente el 41.8% del precio de compra. Por eso se recomiendan presupuestos de efectivo del 35–45% para compradores no residentes.
CONFOTUR properties: transfer tax exempt
Las propiedades con certificación CONFOTUR están exentas del impuesto de transferencia del 3% durante el período de certificación (típicamente 20 años).
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Pago Mensual
$1,523
20-anos al 13%
Solo estimación. Los pagos reales dependen de los términos, comisiones y seguros específicos de cada banco. No incluye seguro de propiedad ni costos de cierre.
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