Buy · Financing · DR foreign-buyer model
What it actually costs, month to month.
DR mortgages aren't like North American ones. We model the 30–50% foreign-buyer down payment, the 10–14% rate band, and every closing-cost line item — so the monthly number you see is the real one.
2026 Samaná benchmarksFree · no signup
Presets
A · Propertyprice in USD
Purchase pricelist or offer
$
Buyer typeaffects down
Currencydisplay
Reference rate · 1 USD = 62.5 DOP
Property type
Bedrooms
B · Down payment30–50% typical
Down payment30%$90,000
C · Loan termsDR range 10–14%
Interest rateAPR
%
Termyears
D · CONFOTURTax law 158-01
Your monthly payment (P&I)
$2,312.00/mo
20-year loan at 12% on a $210,000 balance after 30% down.
Cash to close$104,450
Loan amount$210,000
Total interest$344,880
Cash to close$104k
- Down payment30% of price86%$90,000
- Transfer tax3% of price9%$9,000
- Legal, notary & registrationtitle, deslinde, notary5%$5,450
Upfront · closing costs
ONE-TIMETransfer tax 3%$9,000
Legal fees 1%$3,000
Notary 0.5%$1,500
Title registration 0.2%$600
Title search$350
Total closing$14,450
Lifetime of loan
TOTALTotal interest paid$344,880
Total of payments$554,880
All-in cash over loan$659,330
Option A · Bigger down
50% down
$1,652
$150,000 down · 20 yr · 12%
−$660/mo · $98k less interest
Option B · Your scenario
30% down
$2,312
$90,000 down · 20 yr · 12%
baseline
Option C · Longer term
30% down, 25 yr
$2,212
$90,000 down · 25 yr · 12%
−$100/mo · $109k more interest
DR mortgages work differently. Here's what's priced into this number.
Foreign buyers typically face 30–50% down, 10–14% rates, and 20–25-year max terms. Transfer tax is 3% — waived under CONFOTUR. Legal fees run ~1% and notary ~0.5%. Many banks will not finance beyond the buyer's 65th–70th birthday, which compresses term length for older buyers.