Step 1 — Define the goal
Investment, second home or relocation? Each path uses a different program structure, down payment range and tax treatment.
International buyer kit · Step-by-step roadmap
Foreign Buyer Roadmap
Documents, down payment ranges, taxes and closing logistics for non-U.S. residents financing a U.S. property — without a U.S. credit score or SSN.
Step 2 — Documents accepted
- Valid passport + U.S. visa (or visa-waiver country).
- Foreign income proof: 2 years of tax returns + last 3 months of pay/bank statements.
- Two foreign credit reference letters from local banks (12+ months relationship).
- ITIN application (we coordinate this if you don't have one).
Step 3 — Down payment range
Typical range: 25–35% down depending on program, property type and reserves. Funds must be seasoned 60 days in a U.S. or international bank and traceable to source.
Step 4 — Taxes & FIRPTA
- FIRPTA: 15% federal withholding on the sale price when you eventually sell (recoverable via tax return).
- State property tax varies (FL ~1.0%, TX ~1.8%, NY ~1.7%).
- Rental income: file 1040-NR annually; deductions available with proper structure.
Step 5 — Closing logistics
Closings can be done remotely via Power of Attorney at a U.S. embassy or via mobile notary. Plan 45–60 days from accepted offer to closing.
Step 6 — After closing
Set up U.S. property management, an LLC if vesting under entity, and a U.S. bank account for collections. We provide vetted partner referrals.
Ready to put this into action?
Book a free 30-minute strategy call. We'll walk through your file, identify the right program, and define a realistic timeline.
International buyer kit
Foreign Buyer Roadmap
Step-by-step PDF: documents accepted, down payment ranges, taxes and closing logistics for non-U.S. residents.
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