March 2026 · 7 min read
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.
For a $200,000 residential property purchase by a non-resident foreigner:
That is approximately 41.8% of the purchase price. This is why 35–45% cash budgets are recommended for non-resident buyers.
CONFOTUR properties: transfer tax exempt
Properties with CONFOTUR certification are exempt from the 3% transfer tax for the certification period (typically 20 years). This can represent significant savings and is a meaningful financial consideration when choosing between CONFOTUR and non-CONFOTUR properties.
Estimate Your Monthly Payment
Adjust sliders to estimate your DR mortgage payment
Monthly Payment
$1,523
20-year loan at 13%
Estimate only. Actual payments depend on bank-specific terms, fees, and insurance. Does not include property insurance or closing costs.
Get Real Bank Offers →HipoTech shows you each bank's terms so you can compare total cost — not just the interest rate.
Start Your Application →