Seller financing
Seller-financed homes in Jacó and the Central Pacific
Bank mortgages for foreigners in Costa Rica are hard to get and slow. On some of our listings the owner will finance part of the price directly — a lower down payment and no bank approval needed.
Seller-financed market snapshot
Live from our current listings — asking prices, updated automatically.
7
Listings for sale
$184k – $2.5M
Price range
$315k
Median asking price
6 / 0
Homes / land
Seller-financed properties for sale (7)
1 / 31$275,000
The Beach 506 Condos – Exceptional Investment Opportunity in Jacó Beach
Jacó · 2 bd · 2 ba · 105 m²
1 / 15$319,000
Exclusive Ocean View Condo in Esterillos
Esterillos · 3 bd · 3.5 ba · 196m2
1 / 14$315,000
Torres Del Mar Ocean view 7th floor condo (1702)
Jacó · 2 bd · 2 ba · 76m2
1 / 15$299,000
Torres Del Mar Ocean view 7th floor condo (2702)
Jacó · 2 bd · 2 ba · 76m2
1 / 16$184,000
Casa de Sueños — Renovated Home in Villa Paraíso, Jacó
Jacó · 2 bd · 1.5 ba · 40sqm2
1 / 12$1,375,000
CASA BLANCA-MODERN TROPICAL LIVING
Matapalo · 5 bd · 5 ba · 5000 sqft
1 / 30$2,500,000
Hotel Amavi – Boutique Hotel from HGTV's Betting on Paradise
Jacó · 9 bd · 11 ba · 4,080 sq ft
How it works
You pay a down payment to the owner — often 30–50% — and the balance in monthly instalments over a set term, usually a few years. Terms are negotiated on each property.
Why buyers like it
No local bank approval, faster closing and flexible terms. It's one of the few practical ways for foreigners to finance a purchase here.
How you're protected
The loan is secured with a registered mortgage (hipoteca) on the property, recorded at the National Registry, and the deal is closed by a Costa Rican notary.
Ask us
Not every owner offers it, and some will consider it if asked. Tell us your budget and we'll find out which owners are open to it.
Common questions
What down payment is typical?
It varies by seller. Many ask for 30–50% down, but every deal is negotiated.
Who holds the title during the loan?
Usually you receive title at closing and the seller registers a mortgage on it until the loan is paid off.
Can I see only seller-financed homes?
Yes — this page lists them, and we can send new ones by WhatsApp.