How escrow and title work in Costa Rica

Costa Rica doesn't use title insurance as widely as the US, so escrow and a careful registry check are your main protection. Here's how a typical closing runs.

1. Offer and deposit

Once your offer is accepted, both sides sign an option or purchase agreement and you place a deposit (often 10%) with a registered escrow company — never directly with the seller.

2. Due diligence

Registry report: owner, liens, mortgages, easements and annotations
Survey map (plano catastrado) matches the property on the ground
Municipal taxes and HOA dues paid up
Water and building permits; zoning
A home inspection for built property

3. Closing with the notary

A Costa Rican notary public prepares and signs the transfer deed with buyer and seller (or their powers of attorney). You can close remotely with a power of attorney if you can't travel.

4. Registration and release of funds

The notary files the deed and pays transfer taxes. Escrow releases funds to the seller according to the agreement, typically once the transfer is filed or recorded. Your new title appears at the National Registry, usually within a few weeks.

Figures are general estimates from public sources as of 2026 and change over time. This is not legal or tax advice — always confirm with a Costa Rican attorney/notary and accountant before you buy.