Know what you'll pay
before you fall for
the render.
No generic mortgage simulators. This calculator was built for real-life scenarios - presales, Mexican bank mortgages, rental yields, and cap rate analysis.
4 calculators - reactive - no submit button needed
Read this before the numbers
These four calculators are a reference for understanding how a payment gets structured. Every figure they produce is an estimate. Nothing here is a quote, nothing here binds anyone, and the schedule that governs your purchase is the one written into your contract: the dates, the amounts, and what has to happen before each instalment is due. Use these numbers to walk into that conversation with a question, and get the real payment plan with certain dates in writing.
This is what the market offers. Instalments fall on dates, so the money can keep going out on schedule even when the build is behind.
Results
What this number leaves out
The figures above cover the price of the property and nothing else. These are the lines that land on top of it, and the pre-sale plan a developer hands you will not carry them either.
- ·Closing costs, 6 to 10% of the property value. Escrituración, notary fees, the ISAI acquisition tax set by the municipality, and registry duties. Nobody in Mexico is obliged to hand you that breakdown in a standard format, so you ask for it in writing, concept by concept, before you sign.
- ·The official appraisal. It is paid separately, before the deed date, and it never comes out of the mortgage.
- ·The apartado and the due diligence window that follows it. The reservation is paid before any of this, and it only counts toward the enganche when the contract says so in writing.
- ·Everything that lands after the keys: condominium maintenance from the day of delivery, predial, the annual fideicomiso fee if you buy through a trust, and furnishing, which is the line that catches people out because it arrives with all the rest.
All calculations are estimates for informational purposes only. Actual payments may vary based on lender terms, taxes, insurance, and exchange rates. Consult a financial advisor before making investment decisions.
Numbers check out?
The math is the easy part.
The market is the variable.
A payment fits your spreadsheet. That doesn't mean the deal fits your criteria. Run it through a buyer-rep filter before you fall in love with a number.