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US mortgage calculator: monthly cost and cash needed
Loan payment, local property tax, insurance and fees in one figure, with tax rates for 30 US locations and the cash you need at closing.
Open the calculatorUS mortgage guides for people moving from Europe
Clear finance and purchase guidance for people living in the EU or the UK who plan to buy a home in the United States.
Moving on a visa or a green card?
In the United States the loan follows your immigration status, not the other way round. Establish which loans your status allows, then work out the cash you need, and only then narrow the search.
Plan your US home purchase
Financing
US mortgage on a work visa: H-1B, L-1 and O-1
How long each visa lasts, whether your partner may work, and what a lender checks about your status, income and credit when your employer moves you to the United States.
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Financing
US mortgage on an E-2 investor visa
Why a house never counts as the investment, why income from a new business is hard for lenders to count, and the residence rule for British nationals.
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Financing
Foreign national loans: US mortgages for buyers living in Europe
Why standard US loans are closed to buyers who live abroad, what the alternative is, what lenders ask for and the questions to put to them.
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Financing
US mortgage without a US credit score
European credit history does not transfer. The routes lenders can use for borrowers with no score, and how to build one in six months.
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Funding
How much down payment and cash you need for a US home
Minimum down payments for a main home, second home and rental, plus closing costs, prepaid items, reserves and the rules on gifts.
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Buying process
How long a US home purchase takes, compared with Europe
From accepted offer to keys in 30 to 45 days: each step of a US purchase, the waiting periods the law sets, and how the rhythm differs from buying in the Netherlands, Germany, France or Spain.
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Financing
Getting a US mortgage after moving from Europe
Green card, work visa or no US residency yet: how each status shapes the loans a lender can offer, what changed for FHA loans in 2025, and why your European credit history does not come with you.
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Funding
Funding a US home with European savings or home equity
Moving a down payment across the Atlantic: deciding when to convert euros to dollars, borrowing against or selling a European home, and building the paper trail a US lender will ask for.
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Buying process
Buying a US home as a European: closing costs, title insurance and selling
What closing costs cover, why a lender insists on title insurance, how escrow and local property tax shape the monthly bill, and the FIRPTA withholding that applies if you sell as a foreign person.
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ITIN and US bank account: what a European buyer needs
Can you buy a US home without a Social Security number or US bank account? What an ITIN is, who applies, and how to move your money safely.
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Insurance
Home and flood insurance when buying in the US
Do you need flood insurance for a US house? When lenders require it, why home policies exclude flood, the 30-day wait and when to get quotes.
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Renting out your US home from Europe
Can you let a US home from Europe? How the IRS taxes rent for nonresident owners, 30% on gross rent versus the net election, and how lenders see a rental.
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Tax
US estate tax for European owners of a US home
Do you pay US estate tax on a house in Florida? What nonresident owners face, the $60,000 filing threshold, treaties and what to ask before you buy.
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