Calculator · Cross-border financing
International mortgage calculator.
What would your monthly payment actually be? Many cross-border mortgages run 25 years on a 5-year fixed reset, but you can model any rate, term, or down payment you want.
Inputs
$
%
$120,000 down · $280,000 financed
%
Cross-border rates typically 6–8%; local non-resident varies by country.
years
25-year amortization is the cross-border standard.
Results
Monthly payment$1,891
Total interest paid$287,174
Total cost (P+I)$567,174
Loan-to-value (LTV)70%
Math only. Doesn't include closing costs (typically 6–10% of price), property tax, insurance, or HOA. Cross-border rates reset every 5 years — this calculation assumes your starting rate continues across the full term.
How to use this calculator
What this calculator doesn't include
Compare against the alternatives
Country-specific math
Run the numbers for your country.
Each country page walks the cross-border math against the local non-resident path, the HELOC alternative, and the all-cash opportunity-cost case — with country-specific friction (fideicomiso, NIE, codice fiscale, ITP, IMT) factored in.