How much do I, as a Mexican citizen, need for a down payment in real estate in Miami?

💵 Typical Down Payment Requirements for Mexican Buyers

1. If Buying with a U.S. Mortgage (Foreign National Loan):

30% – 50% down payment is standard
The exact percentage depends on:
- Property type (residential, condo, commercial, etc.)
- Whether the unit allows short-term rentals
- Your income documentation and creditworthiness
- The lender’s policies

📌 Example: For a $500,000 condo, expect to put down between $150,000 and $250,000 USD

2. If Buying with Cash:

You can purchase with 100% cash and avoid financing altogether
Many Mexican buyers choose this option to:
- Simplify the process
- Avoid U.S. interest rates and underwriting
- Increase negotiating power with sellers

💡 Pro Tip:

If you plan to finance your property, start by:

Opening a U.S. bank account
Gathering proof of income/assets from Mexico
Working with a mortgage broker experienced with international buyers

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Antonio Aguirre

Meet Antonio Aguirre

Broker Associate | Realtor® based in Miami, FL

With over 20 years of real estate experience, Antonio Aguirre is a trusted expert helping buyers, sellers, and investors—both local and international—make smart, strategic decisions in one of the most competitive markets in the U.S.

Antonio’s career began by opening offices, recruiting, training, and mentoring agents across the U.S. and Latin America. His leadership and consistent results have earned him multiple industry recognitions, and his global perspective allows him to understand and meet the diverse needs of his clients.

Today, Antonio leads a multidisciplinary team committed to delivering comprehensive, transparent, and personalized service. Whether you’re investing in pre-construction, exploring private equity opportunities, or looking for existing properties, Antonio has the knowledge, network, and resources to help you secure the best possible deal.

A true Miamian at heart, Antonio is passionate about watersports and gastronomy—qualities that reflect his energetic, detailed, and client-centered approach to real estate.

Ready to take the next step?

📞 Schedule a private consultation: +1-786-309-1965
🌐 Work with someone who understands your vision—and knows how to make it happen.