# Europe America Mortgage > Mortgage guidance for people in the EU and the UK who are buying or moving to a home in the United States: how visa status shapes the loan, down payment, closing costs, taxes and currency, with a free mortgage scan that connects you to a US specialist. Europe America Mortgage is run from Drachten, the Netherlands (info@europeamerica.mortgage, +31 85 060 2920). The site is available in English for Europe (/), English for the UK (/en-gb/), Dutch (/nl-nl/), German (/de-de/), French (/fr-fr/), Spanish (/es-es/), Italian (/it-it/), Polish (/pl-pl/). Every guide names its sources and its last-checked date, and the figures on destination pages (prices, property tax, insurance, short-term rental rules) are dated. Where a guide says to confirm something with a specialist, treat the point as unconfirmed. Content is guidance and does not replace advice from a licensed lender, attorney or tax adviser. Facts about the service that can be cited as stated on the site: the mortgage scan is free and without obligation; the site lists 15+ affiliated partners; destination guides currently cover 23 US areas, listed below. ## Start here - [US Mortgages for People Moving from Europe](https://europeamerica.mortgage/): Mortgage guidance for people in the EU and the UK moving to the United States: how visa status shapes your loan options, down payment and closing costs. - [US Mortgage Scan for People Moving from Europe](https://europeamerica.mortgage/contact): Start a US mortgage scan if you live in the EU or the UK and plan to move to the US: loan options for your visa status, down payment and closing costs. - [Buying a US home from the UK or the EU](https://europeamerica.mortgage/from-europe): Compare the UK and all 27 EU countries on what matters for a US home purchase: visa-free travel, E-2 visas, tax treaties, social security and currency. - [US Mortgage Guides for People Moving from Europe](https://europeamerica.mortgage/guides): US mortgage guides for people moving from the EU or the UK: how visa status decides your loan, funding a down payment from Europe and closing costs. - [Where in the United States? Destinations for Europeans](https://europeamerica.mortgage/locations): Where to buy in the US as a European: prices, property tax, closing costs, insurance and rental rules for Boston, Cape Cod, Miami, Orlando and New York. ## Destinations: where to buy in the United States - [Buying a home in Atlanta as a European](https://europeamerica.mortgage/locations/atlanta): Atlanta for European buyers: prices, Georgia property tax at 40% of value, why an attorney closes the sale, storm insurance and city short-let rules. - [Buying a home in Boston as a European](https://europeamerica.mortgage/locations/boston): Moving to Boston or Cambridge? Current prices, property tax by town, the residential exemption, loan limits, condo rules and short-term rental limits. - [Buying a home in Sarasota or Bradenton as a European](https://europeamerica.mortgage/locations/bradenton-sarasota): Sarasota and Bradenton for Europeans: prices, property tax, short-term rental limits on Siesta Key and Anna Maria Island, district fees and insurance. - [Buying on Cape Cod, Martha's Vineyard or Nantucket as a European](https://europeamerica.mortgage/locations/cape-cod-marthas-vineyard-nantucket): A second home on Cape Cod or the Islands: current prices, low tax rates, the 2% land bank fee, septic inspections and coastal insurance. - [Buying a home in Chicago as a European](https://europeamerica.mortgage/locations/chicago): Chicago for European buyers: prices, Cook County property tax, attorney closings, condo assessments, short-let rules and the Illinois estate tax. - [Buying a home in Dallas-Fort Worth as a European](https://europeamerica.mortgage/locations/dallas-fort-worth): Dallas-Fort Worth for European buyers: prices, Texas property tax and homestead rules, hail insurance, the 2025 foreign-buyer law and rental limits. - [Buying a home in the Florida Keys as a European](https://europeamerica.mortgage/locations/florida-keys): The Florida Keys for Europeans: why building permits are rationed, wind and flood insurance, the 28-day vacation rental rule and elevation requirements. - [Buying a home in Florida as a European](https://europeamerica.mortgage/locations/florida): Florida for Europeans: prices, why your property tax will exceed the seller's, insurance and flood rules, condo laws after Surfside and rental zoning. - [Buying a home in Houston as a European](https://europeamerica.mortgage/locations/houston): Houston for European buyers: prices, Texas property tax, MUD districts, flood risk after Harvey, no zoning, and the 2025 Texas law on foreign buyers. - [Buying a home in Los Angeles as a European](https://europeamerica.mortgage/locations/los-angeles): Los Angeles and Orange County for European buyers: prices, Proposition 13 property tax, jumbo loans, earthquake and fire insurance, escrow and short lets. - [Buying a home in Massachusetts as a European](https://europeamerica.mortgage/locations/massachusetts): Buying in Massachusetts as a European: town-by-town property tax, attorney closings, deed excise, septic and lead paint rules and the state estate tax. - [Buying a home in Miami and South Florida as a European](https://europeamerica.mortgage/locations/miami-south-florida): Miami, Fort Lauderdale and Palm Beach for Europeans: the condo glut and what it means for loans, pre-construction deposits, rental zoning and insurance. - [Buying a home in Naples, Fort Myers or Cape Coral as a European](https://europeamerica.mortgage/locations/naples-fort-myers-cape-coral): Southwest Florida for European buyers: Naples and Cape Coral prices, why Germans buy here, the utility assessment on Cape Coral plots and flood rules. - [Buying a home in New York City as a European](https://europeamerica.mortgage/locations/new-york-city): New York for European buyers: co-op or condo, the mansion tax and mortgage recording tax, the new surcharge on second homes and why short lets are banned. - [Buying a home in North Carolina as a European](https://europeamerica.mortgage/locations/north-carolina): North Carolina for European buyers: Charlotte and Raleigh-Durham prices, county property tax, attorney closings, income tax and storm and slope risk. - [Buying a home in Northern Virginia or Washington DC as a European](https://europeamerica.mortgage/locations/northern-virginia-washington-dc): Arlington, Fairfax, Loudoun and the District for Europeans: prices, property tax rates, transfer and recordation taxes, the car tax and rental limits. - [Buying a home in Orlando as a European](https://europeamerica.mortgage/locations/orlando): Orlando for European buyers: prices, property tax, the zoning that decides whether a holiday home can be let short-term, and taxes on short stays. - [Buying a home in Philadelphia as a European](https://europeamerica.mortgage/locations/philadelphia): Philadelphia for Europeans: lower prices than New York or Boston, a 4.578% transfer tax, the homestead exemption, the wage tax and the new-build abatement. - [Buying a home in Phoenix as a European](https://europeamerica.mortgage/locations/phoenix-arizona): Phoenix, Scottsdale, Tempe and Mesa for European buyers: prices, Arizona's limited property tax value, water, heat, insurance and holiday letting. - [Buying a home in Rhode Island and Providence as a European](https://europeamerica.mortgage/locations/rhode-island-providence): Rhode Island for European buyers: Providence prices, why owner-occupiers pay far less property tax and the new state tax on second homes over $1 million. - [Buying a home in the San Francisco Bay Area as a European](https://europeamerica.mortgage/locations/san-francisco-bay-area): San Francisco Bay Area for European buyers: August 2026 prices, jumbo loans, Proposition 13 tax, earthquake cover and short-term rental limits. - [Buying a home in Seattle and the Eastside as a European](https://europeamerica.mortgage/locations/seattle-washington): Seattle and the Eastside for European buyers: prices, King County property tax, the Washington estate tax, earthquake cover and short-term rental rules. - [Buying a home in Tampa Bay as a European](https://europeamerica.mortgage/locations/tampa-bay): Tampa Bay for European buyers: prices, property tax, why short lets are restricted in St. Petersburg and Clearwater, and flood and hurricane exposure. ## Full destination guides - [Buying in Atlanta: the full guide](https://europeamerica.mortgage/locations/atlanta-guide): Prices, property tax, loans, closing costs, insurance and renting in Atlanta, explained step by step for buyers from Europe. - [Buying in Boston: the full guide](https://europeamerica.mortgage/locations/boston-guide): Prices, property tax, loans, closing costs, insurance and renting in Boston, explained step by step for buyers from Europe. - [Buying in Sarasota and Bradenton: the full guide](https://europeamerica.mortgage/locations/bradenton-sarasota-guide): Prices, property tax, loans, closing costs, insurance and renting in Sarasota, explained step by step for buyers from Europe. - [Buying in Cape Cod and the Islands: the full guide](https://europeamerica.mortgage/locations/cape-cod-marthas-vineyard-nantucket-guide): Prices, property tax, loans, closing costs, insurance and renting in Cape Cod, explained step by step for buyers from Europe. - [Buying in Chicago: the full guide](https://europeamerica.mortgage/locations/chicago-guide): Prices, property tax, loans, closing costs, insurance and renting in Chicago, explained step by step for buyers from Europe. - [Buying in Dallas-Fort Worth: the full guide](https://europeamerica.mortgage/locations/dallas-fort-worth-guide): Prices, property tax, loans, closing costs, insurance and renting in Dallas, explained step by step for buyers from Europe. - [Buying in Florida: the full guide](https://europeamerica.mortgage/locations/florida-guide): Prices, property tax, loans, closing costs, insurance and renting in Florida, explained step by step for buyers from Europe. - [Buying in Florida Keys: the full guide](https://europeamerica.mortgage/locations/florida-keys-guide): Prices, property tax, loans, closing costs, insurance and renting in Florida Keys, explained step by step for buyers from Europe. - [Buying in Houston: the full guide](https://europeamerica.mortgage/locations/houston-guide): Prices, property tax, loans, closing costs, insurance and renting in Houston, explained step by step for buyers from Europe. - [Buying in Los Angeles: the full guide](https://europeamerica.mortgage/locations/los-angeles-guide): Prices, property tax, loans, closing costs, insurance and renting in Los Angeles, explained step by step for buyers from Europe. - [Buying in Massachusetts: the full guide](https://europeamerica.mortgage/locations/massachusetts-guide): Prices, property tax, loans, closing costs, insurance and renting in Massachusetts, explained step by step for buyers from Europe. - [Buying in Miami and South Florida: the full guide](https://europeamerica.mortgage/locations/miami-south-florida-guide): Prices, property tax, loans, closing costs, insurance and renting in Miami, explained step by step for buyers from Europe. - [Buying in Naples and Cape Coral: the full guide](https://europeamerica.mortgage/locations/naples-fort-myers-cape-coral-guide): Prices, property tax, loans, closing costs, insurance and renting in Naples, explained step by step for buyers from Europe. - [Buying in New York City: the full guide](https://europeamerica.mortgage/locations/new-york-city-guide): Prices, property tax, loans, closing costs, insurance and renting in New York, explained step by step for buyers from Europe. - [Buying in North Carolina: the full guide](https://europeamerica.mortgage/locations/north-carolina-guide): Prices, property tax, loans, closing costs, insurance and renting in North Carolina, explained step by step for buyers from Europe. - [Buying in Northern Virginia and Washington DC: the full guide](https://europeamerica.mortgage/locations/northern-virginia-washington-dc-guide): Prices, property tax, loans, closing costs, insurance and renting in Northern Virginia, explained step by step for buyers from Europe. - [Buying in Orlando: the full guide](https://europeamerica.mortgage/locations/orlando-guide): Prices, property tax, loans, closing costs, insurance and renting in Orlando, explained step by step for buyers from Europe. - [Buying in Philadelphia: the full guide](https://europeamerica.mortgage/locations/philadelphia-guide): Prices, property tax, loans, closing costs, insurance and renting in Philadelphia, explained step by step for buyers from Europe. - [Buying in Phoenix: the full guide](https://europeamerica.mortgage/locations/phoenix-arizona-guide): Prices, property tax, loans, closing costs, insurance and renting in Phoenix, explained step by step for buyers from Europe. - [Buying in Rhode Island: the full guide](https://europeamerica.mortgage/locations/rhode-island-providence-guide): Prices, property tax, loans, closing costs, insurance and renting in Rhode Island, explained step by step for buyers from Europe. - [Buying in San Francisco Bay Area: the full guide](https://europeamerica.mortgage/locations/san-francisco-bay-area-guide): Prices, property tax, loans, closing costs, insurance and renting in Bay Area, explained step by step for buyers from Europe. - [Buying in Seattle: the full guide](https://europeamerica.mortgage/locations/seattle-washington-guide): Prices, property tax, loans, closing costs, insurance and renting in Seattle, explained step by step for buyers from Europe. - [Buying in Tampa Bay: the full guide](https://europeamerica.mortgage/locations/tampa-bay-guide): Prices, property tax, loans, closing costs, insurance and renting in Tampa Bay, explained step by step for buyers from Europe. ## Mortgage, visa and tax guides - [Buying a US Home as a European: Costs and Title Insurance](https://europeamerica.mortgage/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): What Europeans buying in the US should expect: closing costs, title insurance, escrow and property tax, and FIRPTA withholding when a foreign person sells. - [Financing a New York co-op or condo as a European](https://europeamerica.mortgage/guides/financing-a-new-york-co-op-or-condo-as-a-european): How lenders approve a New York co-op or condo: share loans, the building's finances, flip taxes and the questions a European buyer should ask first. - [Foreign national loans: US mortgages for buyers who live in Europe](https://europeamerica.mortgage/guides/foreign-national-loans-explained): Living in Europe and buying a US holiday home or rental? Why standard loans are closed to you, what a foreign national loan is and what lenders ask for. - [Funding a US Home with European Savings or Home Equity](https://europeamerica.mortgage/guides/funding-a-us-home-with-european-savings-or-equity): Using euros for a US down payment: when to convert to dollars, borrowing against or selling a European home, and the proof of funds a lender will ask for. - [Home and flood insurance when you buy a US house](https://europeamerica.mortgage/guides/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, how the 30-day wait works and when to get quotes. - [Do you need an ITIN or a US bank account to buy a US home?](https://europeamerica.mortgage/guides/itin-and-us-bank-account-for-european-homebuyers): 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 deposit safely. - [Renting out your US home as a European owner](https://europeamerica.mortgage/guides/renting-out-your-us-home-as-a-european-owner): Can you rent out a US home from Europe? How the IRS taxes rent for nonresident owners, gross versus net, the forms involved and how lenders see rentals. - [How much down payment and cash do you need for a US home?](https://europeamerica.mortgage/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): How much deposit does a European need for a US home? Minimum down payments for a main home, second home and rental, plus closing costs and reserves. - [US estate tax for Europeans who own a US home](https://europeamerica.mortgage/guides/us-estate-tax-for-european-owners-of-a-us-home): Do you pay US inheritance tax on a house in Florida? How US estate tax treats nonresident owners, the $60,000 threshold and what treaties may change. - [How long a US home purchase takes, compared with Europe](https://europeamerica.mortgage/guides/us-home-purchase-timeline-compared-with-europe): A US mortgage usually closes 30 to 45 days after your offer is accepted. See each step, the legal waiting periods and how it differs from Europe. - [Getting a US Mortgage After Moving from Europe](https://europeamerica.mortgage/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, work visa or no US residency yet: how your immigration status decides which US mortgages you can get, and what changed for FHA loans in 2025. - [US mortgage calculator: your monthly cost and the cash you need](https://europeamerica.mortgage/guides/us-mortgage-calculator-monthly-cost): Work out the monthly cost of a US home: loan payment, property tax, insurance and fees, plus the cash you need at closing. Tax rates for 30 US locations. - [Getting a US mortgage on an E-2 investor visa](https://europeamerica.mortgage/guides/us-mortgage-on-e-2-investor-visa): A US home on an E-2 visa: who qualifies, why a house never counts as the investment, how lenders see new-business income and the UK nationals rule. - [Getting a US mortgage on an H-1B, L-1 or O-1 visa](https://europeamerica.mortgage/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Can you get a US mortgage on an H-1B, L-1 or O-1 visa? Yes. See how long each visa lasts, whether your partner may work and what lenders check. - [Getting a US mortgage without a US credit score](https://europeamerica.mortgage/guides/us-mortgage-without-us-credit-score): Just moved from Europe and have no US credit score? How scores work, how fast you can build one and the routes lenders use for borrowers with no score. ## Buying from your country - [Buying a US home from Belgium](https://europeamerica.mortgage/from/belgium): US property for Belgian buyers: ESTA and E-2 status, the National Bank's credit register, declaring a foreign home and the missing US estate tax treaty. - [Buying a US home from France](https://europeamerica.mortgage/from/france): US property for French buyers: E-2 and ESTA status, why France has no credit score to show, the exit tax, selling your French home and estate tax treaty. - [Buying a US home from Germany](https://europeamerica.mortgage/from/germany): US property for German buyers: E-2 and ESTA status, why SCHUFA does not travel, the ten-year rule on selling your home, exit tax on shares and estate tax. - [Buying a US home from Ireland](https://europeamerica.mortgage/from/ireland): US property for Irish buyers: ESTA and E-2 status, the Central Credit Register, Irish tax on US rent, PPR relief on your home and the estate tax treaty. - [Buying a US home from Italy](https://europeamerica.mortgage/from/italy): US property for Italian buyers: ESTA and E-2 status, the Centrale dei Rischi, IVIE tax on a home abroad, mortgage interest relief and estate tax treaty. - [Buying a US home from the Netherlands](https://europeamerica.mortgage/from/netherlands): US property for Dutch buyers: E-2 and ESTA status, your BKR record, hypotheekrenteaftrek and box 3 when you leave, and the estate tax treaty. - [Buying a US home from Poland](https://europeamerica.mortgage/from/poland): US property for Polish buyers: visa-free travel since 2019, E-2 status, your BIK report, zloty to dollar risk and the five-year rule on selling in Poland. - [Buying a US home from Portugal](https://europeamerica.mortgage/from/portugal): US property for Portuguese buyers: E-1 and E-2 visas open since March 2024, the Banco de Portugal credit map and Anexo J for a home abroad. - [Buying a US home from Spain](https://europeamerica.mortgage/from/spain): US property for Spanish buyers: ESTA and E-2 status, the CIRBE report, Modelo 720 for a home abroad and the missing estate tax treaty. - [Buying a US home from Sweden](https://europeamerica.mortgage/from/sweden): US property for Swedish buyers: ESTA and E-2 status, your UC extract, krona to dollar risk and the deferred gains that fall due when you leave the EEA. - [Buying a US home from the United Kingdom](https://europeamerica.mortgage/from/united-kingdom): US property for British buyers: ESTA and E-2 rules, US mortgages without a US credit file, sterling risk, Private Residence Relief and UK inheritance tax. ## About - [About us: team, specialists and partners](https://europeamerica.mortgage/about-us): The team behind Europe America Mortgage: 5 permanent team members, 10+ specialists and 15+ partners who guide you through financing a home in the United States. ## United Kingdom (en-GB) - [US Mortgage Scan for People Moving from Europe](https://europeamerica.mortgage/en-gb/contact): Start a US mortgage scan if you live in the EU or the UK and plan to move to the US: loan options for your visa status, down payment and closing costs. - [Buying a US home from the Netherlands](https://europeamerica.mortgage/en-gb/from/netherlands): US property for Dutch buyers: E-2 and ESTA status, your BKR record, hypotheekrenteaftrek and box 3 when you leave, and the estate tax treaty. - [Buying a US home from the United Kingdom](https://europeamerica.mortgage/en-gb/from/united-kingdom): US property for British buyers: ESTA and E-2 rules, US mortgages without a US credit file, sterling risk, Private Residence Relief and UK inheritance tax. - [Buying a US home from the UK or the EU](https://europeamerica.mortgage/en-gb/from-europe): Compare the UK and all 27 EU countries on what matters for a US home purchase: visa-free travel, E-2 visas, tax treaties, social security and currency. - [Buying a US Home as a European: Costs and Title Insurance](https://europeamerica.mortgage/en-gb/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): What Europeans buying in the US should expect: closing costs, title insurance, escrow and property tax, and FIRPTA withholding when a foreign person sells. - [Financing a New York co-op or condo as a European](https://europeamerica.mortgage/en-gb/guides/financing-a-new-york-co-op-or-condo-as-a-european): How lenders approve a New York co-op or condo: share loans, the building's finances, flip taxes and the questions a European buyer should ask first. - [Foreign national loans: US mortgages for buyers who live in Europe](https://europeamerica.mortgage/en-gb/guides/foreign-national-loans-explained): Living in Europe and buying a US holiday home or rental? Why standard loans are closed to you, what a foreign national loan is and what lenders ask for. - [Funding a US Home with European Savings or Home Equity](https://europeamerica.mortgage/en-gb/guides/funding-a-us-home-with-european-savings-or-equity): Using euros for a US down payment: when to convert to dollars, borrowing against or selling a European home, and the proof of funds a lender will ask for. - [Home and flood insurance when you buy a US house](https://europeamerica.mortgage/en-gb/guides/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, how the 30-day wait works and when to get quotes. - [Do you need an ITIN or a US bank account to buy a US home?](https://europeamerica.mortgage/en-gb/guides/itin-and-us-bank-account-for-european-homebuyers): 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 deposit safely. - [Renting out your US home as a European owner](https://europeamerica.mortgage/en-gb/guides/renting-out-your-us-home-as-a-european-owner): Can you rent out a US home from Europe? How the IRS taxes rent for nonresident owners, gross versus net, the forms involved and how lenders see rentals. - [How much down payment and cash do you need for a US home?](https://europeamerica.mortgage/en-gb/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): How much deposit does a European need for a US home? Minimum down payments for a main home, second home and rental, plus closing costs and reserves. - [US estate tax for Europeans who own a US home](https://europeamerica.mortgage/en-gb/guides/us-estate-tax-for-european-owners-of-a-us-home): Do you pay US inheritance tax on a house in Florida? How US estate tax treats nonresident owners, the $60,000 threshold and what treaties may change. - [How long a US home purchase takes, compared with Europe](https://europeamerica.mortgage/en-gb/guides/us-home-purchase-timeline-compared-with-europe): A US mortgage usually closes 30 to 45 days after your offer is accepted. See each step, the legal waiting periods and how it differs from Europe. - [Getting a US Mortgage After Moving from Europe](https://europeamerica.mortgage/en-gb/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, work visa or no US residency yet: how your immigration status decides which US mortgages you can get, and what changed for FHA loans in 2025. - [US mortgage calculator: your monthly cost and the cash you need](https://europeamerica.mortgage/en-gb/guides/us-mortgage-calculator-monthly-cost): Work out the monthly cost of a US home: loan payment, property tax, insurance and fees, plus the cash you need at closing. Tax rates for 30 US locations. - [Getting a US mortgage on an E-2 investor visa](https://europeamerica.mortgage/en-gb/guides/us-mortgage-on-e-2-investor-visa): A US home on an E-2 visa: who qualifies, why a house never counts as the investment, how lenders see new-business income and the UK nationals rule. - [Getting a US mortgage on an H-1B, L-1 or O-1 visa](https://europeamerica.mortgage/en-gb/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Can you get a US mortgage on an H-1B, L-1 or O-1 visa? Yes. See how long each visa lasts, whether your partner may work and what lenders check. - [Getting a US mortgage without a US credit score](https://europeamerica.mortgage/en-gb/guides/us-mortgage-without-us-credit-score): Just moved from Europe and have no US credit score? How scores work, how fast you can build one and the routes lenders use for borrowers with no score. - [US Mortgage Guides for People Moving from Europe](https://europeamerica.mortgage/en-gb/guides): US mortgage guides for people moving from the EU or the UK: how visa status decides your loan, funding a down payment from Europe and closing costs. - [US Mortgages for People Moving from Europe](https://europeamerica.mortgage/en-gb/): Mortgage guidance for people in the EU and the UK moving to the United States: how visa status shapes your loan options, down payment and closing costs. - [Where in the United States? Destinations for Europeans](https://europeamerica.mortgage/en-gb/locations): Where to buy in the US as a European: prices, property tax, closing costs, insurance and rental rules for Boston, Cape Cod, Miami, Orlando and New York. ## Nederland (nl-NL) - [Hypotheekscan voor de VS](https://europeamerica.mortgage/nl-nl/contact): Start een hypotheekscan voor de VS als je in de EU of het VK woont: leningopties bij je visumstatus, aanbetaling, closing costs en vervolgstappen. - [Een huis in de VS kopen vanuit Nederland](https://europeamerica.mortgage/nl-nl/from/netherlands): Nederlandse kopers in de VS: E-2 en ESTA, je BKR-registratie, hypotheekrenteaftrek en box 3 bij vertrek, en het verdrag over erfbelasting met de VS. - [Een huis in de VS kopen vanuit het Verenigd Koninkrijk](https://europeamerica.mortgage/nl-nl/from/united-kingdom): Britse kopers in de VS: ESTA en E-2, een hypotheek zonder Amerikaans kredietdossier, het pondrisico, Private Residence Relief en de Britse erfbelasting. - [Een huis in de VS kopen vanuit het VK of de EU](https://europeamerica.mortgage/nl-nl/from-europe): Vergelijk het VK en alle 27 EU-landen op wat telt bij een huis in de VS: visumvrij reizen, E-2-visa, belastingverdragen, erfbelasting en valuta. - [Een huis in de VS kopen: closing costs en title insurance](https://europeamerica.mortgage/nl-nl/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Waar je als Europeaan op moet rekenen bij een aankoop in de VS: closing costs, title insurance, escrow, property tax en FIRPTA-inhouding bij verkoop. - [Een co-op of condo in New York financieren als Europeaan](https://europeamerica.mortgage/nl-nl/guides/financing-a-new-york-co-op-or-condo-as-a-european): Hoe geldverstrekkers een co-op of condo in New York goedkeuren: share loans, de financiën van het gebouw, flip taxes en de eerste vragen voor kopers. - [Foreign national loans: Amerikaanse hypotheken voor kopers die in Europa wonen](https://europeamerica.mortgage/nl-nl/guides/foreign-national-loans-explained): Woon je in Europa en wil je in de VS kopen? Wat een foreign national loan is, waarom standaardleningen niet openstaan en wat geldverstrekkers vragen. - [Een huis in de VS financieren met Europees spaargeld](https://europeamerica.mortgage/nl-nl/guides/funding-a-us-home-with-european-savings-or-equity): Euro's gebruiken voor een aanbetaling in de VS: wanneer je omzet naar dollars, lenen op je Europese huis of het verkopen, en het bewijs van herkomst. - [Woonhuis- en overstromingsverzekering als je een huis in de VS koopt](https://europeamerica.mortgage/nl-nl/guides/home-and-flood-insurance-when-buying-in-the-us): Overstromingsverzekering nodig voor een huis in de VS? Wanneer geldverstrekkers die eisen, waarom polissen haar uitsluiten, de wachttijd van 30 dagen. - [Heb je een ITIN of een Amerikaanse bankrekening nodig om een huis in de VS te kopen?](https://europeamerica.mortgage/nl-nl/guides/itin-and-us-bank-account-for-european-homebuyers): Kun je een huis in de VS kopen zonder Social Security number of Amerikaanse bankrekening? Wat een ITIN is, wie hem aanvraagt en veilig geld overmaken. - [Je huis in de VS verhuren als Europese eigenaar](https://europeamerica.mortgage/nl-nl/guides/renting-out-your-us-home-as-a-european-owner): Kun je een huis in de VS verhuren vanuit Europa? Hoe de IRS huur van niet-ingezeten eigenaren belast, bruto of netto, en hoe geldverstrekkers kijken. - [Hoeveel aanbetaling en eigen geld heb je nodig voor een huis in de VS?](https://europeamerica.mortgage/nl-nl/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): Hoeveel eigen geld heeft een Europeaan nodig voor een huis in de VS? Aanbetaling per type woning, closing costs, reserves en regels voor schenkingen. - [Amerikaanse erfbelasting voor Europeanen met een huis in de VS](https://europeamerica.mortgage/nl-nl/guides/us-estate-tax-for-european-owners-of-a-us-home): Betaal je Amerikaanse erfbelasting over een huis in Florida? Hoe de VS de nalatenschap van niet-ingezetenen belast, de grens van $ 60.000 en verdragen. - [Hoe lang de aankoop van een huis in de VS duurt, vergeleken met Europa](https://europeamerica.mortgage/nl-nl/guides/us-home-purchase-timeline-compared-with-europe): Een Amerikaanse hypotheek is meestal 30 tot 45 dagen na het accepteren van je bod rond. Bekijk elke stap, de wachttermijnen en het verschil met Europa. - [Hypotheek in de VS na verhuizing uit Europa: visum en lening](https://europeamerica.mortgage/nl-nl/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, werkvisum of nog geen verblijfsrecht: hoe je verblijfsstatus je Amerikaanse hypotheek bepaalt, en wat er in 2025 veranderde voor FHA-leningen. - [Rekentool Amerikaanse hypotheek: je maandlasten en het geld dat je nodig hebt](https://europeamerica.mortgage/nl-nl/guides/us-mortgage-calculator-monthly-cost): Bereken wat een huis in de VS je per maand kost: lening, property tax, verzekering en bijdragen, plus je geld bij closing. Tarieven voor 30 locaties. - [Een Amerikaanse hypotheek krijgen met een E-2-investeerdersvisum](https://europeamerica.mortgage/nl-nl/guides/us-mortgage-on-e-2-investor-visa): Een huis in de VS met een E-2-visum: wie in aanmerking komt, waarom een huis nooit als investering telt en hoe geldverstrekkers je bedrijfsinkomen zien. - [Een Amerikaanse hypotheek krijgen met een H-1B-, L-1- of O-1-visum](https://europeamerica.mortgage/nl-nl/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Kun je een Amerikaanse hypotheek krijgen met een H-1B-, L-1- of O-1-visum? Ja. Zo lang is elk visum geldig en dit controleren geldverstrekkers. - [Een Amerikaanse hypotheek krijgen zonder Amerikaanse kredietscore](https://europeamerica.mortgage/nl-nl/guides/us-mortgage-without-us-credit-score): Net uit Europa verhuisd en geen Amerikaanse kredietscore? Hoe scores werken, hoe snel je er een opbouwt en welke routes er zijn zonder score. - [Gidsen over hypotheken in de VS](https://europeamerica.mortgage/nl-nl/guides): Gidsen over hypotheken in de VS voor wie uit de EU of het VK verhuist: je visumstatus, een aanbetaling financieren, closing costs en later verkopen. - [Hypotheek in de VS vanuit Europa](https://europeamerica.mortgage/nl-nl/): Hypotheekbegeleiding voor mensen uit de EU en het VK die naar de VS verhuizen: je visumstatus bepaalt je leningopties, plus closing costs en valuta. - [Waarheen in de Verenigde Staten? Bestemmingen voor Europeanen](https://europeamerica.mortgage/nl-nl/locations): Bestemmingen voor Europeanen in de VS: prijzen, property tax, closing costs en verhuurregels voor Boston, Cape Cod, Miami, Orlando, New York en meer. ## Deutschland (de-DE) - [US-Hypothekenscan für Menschen, die aus Europa umziehen](https://europeamerica.mortgage/de-de/contact): Starten Sie einen US-Hypothekenscan, wenn Sie in der EU oder im Vereinigten Königreich leben und in die USA ziehen: Darlehen, Anzahlung, Closing Costs. - [Ein Haus in den USA aus den Niederlanden kaufen](https://europeamerica.mortgage/de-de/from/netherlands): US-Immobilie für niederländische Käufer: E-2 und ESTA, Ihr BKR-Eintrag, Hypothekenzinsabzug und Box 3 beim Wegzug sowie das Erbschaftsteuerabkommen. - [Ein Haus in den USA aus dem Vereinigten Königreich kaufen](https://europeamerica.mortgage/de-de/from/united-kingdom): US-Immobilie für britische Käufer: ESTA und E-2, US-Hypothek ohne US-Kreditdatei, Pfund-Risiko, Private Residence Relief und britische Erbschaftsteuer. - [Ein US-Haus aus dem Vereinigten Königreich oder der EU kaufen](https://europeamerica.mortgage/de-de/from-europe): Das Vereinigte Königreich und alle 27 EU-Länder im Vergleich beim US-Hauskauf: visumfreie Reisen, E-2-Visa, Steuerabkommen, Sozialversicherung, Währung. - [US-Haus kaufen als Europäer: Closing Costs, Title Insurance](https://europeamerica.mortgage/de-de/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Was Europäer beim Hauskauf in den USA erwartet: Closing Costs, Title Insurance, Escrow, Property Tax und FIRPTA-Einbehalt beim Verkauf durch Ausländer. - [Ein Co-op oder Condo in New York finanzieren als Europäer](https://europeamerica.mortgage/de-de/guides/financing-a-new-york-co-op-or-condo-as-a-european): Wie Kreditgeber ein Co-op oder Condo in New York prüfen: Anteilsdarlehen, die Finanzen des Gebäudes, Flip Tax und die ersten Fragen für europäische Käufer. - [Foreign National Loans: US-Hypotheken für Käufer mit Wohnsitz in Europa](https://europeamerica.mortgage/de-de/guides/foreign-national-loans-explained): Sie leben in Europa und wollen in den USA kaufen? Was ein Foreign National Loan ist, warum Standarddarlehen verschlossen sind und was Kreditgeber fordern. - [US-Haus mit Ersparnissen oder Immobilienkapital finanzieren](https://europeamerica.mortgage/de-de/guides/funding-a-us-home-with-european-savings-or-equity): Euro für die US-Anzahlung: wann in Dollar tauschen, eine europäische Immobilie beleihen oder verkaufen und welche Nachweise ein Kreditgeber verlangt. - [Wohngebäude- und Hochwasserversicherung beim Kauf eines US-Hauses](https://europeamerica.mortgage/de-de/guides/home-and-flood-insurance-when-buying-in-the-us): Hochwasserversicherung für ein US-Haus nötig? Wann Kreditgeber sie verlangen, warum Wohnpolicen Hochwasser ausschließen und wie die 30-Tage-Frist wirkt. - [Brauchen Sie für den Kauf eines US-Hauses eine ITIN oder ein US-Bankkonto?](https://europeamerica.mortgage/de-de/guides/itin-and-us-bank-account-for-european-homebuyers): Hauskauf in den USA ohne Social Security Number oder US-Bankkonto? Was eine ITIN ist, wer sie beantragt und wie Sie Ihre Anzahlung sicher überweisen. - [Ihr US-Haus als europäischer Eigentümer vermieten](https://europeamerica.mortgage/de-de/guides/renting-out-your-us-home-as-a-european-owner): US-Haus aus Europa vermieten? Wie die IRS Miete bei Nichtansässigen besteuert, brutto oder netto, welche Formulare gelten und wie Kreditgeber es sehen. - [Wie viel Anzahlung und Bargeld brauchen Sie für ein US-Haus?](https://europeamerica.mortgage/de-de/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): Wie viel Eigenkapital braucht ein Europäer für ein US-Haus? Mindestanzahlung für Hauptwohnsitz, Zweitwohnsitz und Mietobjekt sowie Closing Costs, Reserven. - [US-Erbschaftsteuer für Europäer, die ein Haus in den USA besitzen](https://europeamerica.mortgage/de-de/guides/us-estate-tax-for-european-owners-of-a-us-home): Zahlen Sie US-Erbschaftsteuer auf ein Haus in Florida? Wie die USA Nichtansässige besteuern, was die Grenze von 60.000 $ bedeutet und was Abkommen ändern. - [Wie lange ein US-Hauskauf dauert, im Vergleich zu Europa](https://europeamerica.mortgage/de-de/guides/us-home-purchase-timeline-compared-with-europe): Eine US-Hypothek wird meist 30 bis 45 Tage nach der Annahme Ihres Angebots abgeschlossen. Alle Schritte, gesetzliche Fristen und der Unterschied zu Europa. - [Eine US-Hypothek nach dem Umzug aus Europa erhalten](https://europeamerica.mortgage/de-de/guides/us-mortgage-after-moving-from-europe-visa-status): Green Card, Arbeitsvisum oder noch kein US-Aufenthalt: Wie Ihr Status die möglichen US-Hypotheken bestimmt und was sich 2025 bei FHA-Darlehen änderte. - [US-Hypothekenrechner: Ihre monatlichen Kosten und das nötige Bargeld](https://europeamerica.mortgage/de-de/guides/us-mortgage-calculator-monthly-cost): Monatliche Kosten eines US-Hauses berechnen: Darlehensrate, Property Tax, Versicherung, Gebühren und Bargeld beim Closing. Steuersätze für 30 US-Orte. - [Eine US-Hypothek mit E-2-Investorenvisum erhalten](https://europeamerica.mortgage/de-de/guides/us-mortgage-on-e-2-investor-visa): Ein US-Haus mit E-2-Visum: wer sich qualifiziert, warum ein Haus nie als Investition zählt, wie Kreditgeber neues Firmeneinkommen sehen, Regel für Briten. - [Eine US-Hypothek mit H-1B-, L-1- oder O-1-Visum erhalten](https://europeamerica.mortgage/de-de/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Eine US-Hypothek mit H-1B-, L-1- oder O-1-Visum? Ja. Wie lange jedes Visum gilt, ob Ihr Partner arbeiten darf und was Kreditgeber prüfen. - [Eine US-Hypothek ohne US-Kreditscore erhalten](https://europeamerica.mortgage/de-de/guides/us-mortgage-without-us-credit-score): Aus Europa zugezogen und ohne US-Kreditscore? Wie Scores funktionieren, wie schnell Sie einen aufbauen und welche Wege Kreditgeber ohne Score kennen. - [US-Hypothekenratgeber für den Umzug aus Europa](https://europeamerica.mortgage/de-de/guides): Ratgeber zu US-Hypotheken für den Umzug aus der EU oder dem Vereinigten Königreich: Visastatus, Anzahlung aus Europa finanzieren und Closing Costs. - [US-Hypotheken für Menschen, die aus Europa umziehen](https://europeamerica.mortgage/de-de/): Hypothekenberatung für Menschen aus der EU und dem Vereinigten Königreich mit Ziel USA: wie Ihr Visastatus Darlehen, Anzahlung und Closing Costs prägt. - [Wo in den Vereinigten Staaten? Standorte für Europäer](https://europeamerica.mortgage/de-de/locations): Wo in den USA kaufen als Europäer: Preise, Property Tax, Closing Costs, Versicherung und Vermietung für Boston, Cape Cod, Miami, Orlando und New York. ## France (fr-FR) - [Étude de financement pour s'installer aux États-Unis](https://europeamerica.mortgage/fr-fr/contact): Lancez une étude de financement si vous vivez dans l'UE ou au Royaume-Uni et partez aux États-Unis : prêts selon votre visa, apport et frais de closing. - [Acheter un bien aux États-Unis depuis les Pays-Bas](https://europeamerica.mortgage/fr-fr/from/netherlands): Immobilier américain pour acheteurs néerlandais : E-2 et ESTA, votre dossier BKR, déduction des intérêts et box 3 au départ, convention successorale. - [Acheter un bien aux États-Unis depuis le Royaume-Uni](https://europeamerica.mortgage/fr-fr/from/united-kingdom): Immobilier américain pour acheteurs britanniques : ESTA et E-2, prêt sans dossier de crédit américain, risque de la livre, succession et fiscalité. - [Acheter un bien aux États-Unis depuis le Royaume-Uni ou l'UE](https://europeamerica.mortgage/fr-fr/from-europe): Comparez le Royaume-Uni et les 27 pays de l'UE pour un achat aux États-Unis : voyage sans visa, visa E-2, conventions fiscales, sécurité sociale et devise. - [Acheter aux États-Unis : frais de closing et title insurance](https://europeamerica.mortgage/fr-fr/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Ce que doit prévoir un Européen qui achète aux États-Unis : frais de closing, title insurance, escrow, property tax et retenue FIRPTA lors d'une revente. - [Financer un co-op ou un condo à New York en tant qu'Européen](https://europeamerica.mortgage/fr-fr/guides/financing-a-new-york-co-op-or-condo-as-a-european): Comment les prêteurs acceptent un co-op ou un condo à New York : prêt sur parts, finances de l'immeuble, flip tax et premières questions à poser. - [Foreign national loans : le prêt immobilier américain pour les acheteurs qui vivent en Europe](https://europeamerica.mortgage/fr-fr/guides/foreign-national-loans-explained): Vous vivez en Europe et achetez aux États-Unis ? Pourquoi les prêts standard sont fermés, ce qu'est un foreign national loan, ce qu'exigent les prêteurs. - [Financer un achat aux États-Unis : épargne ou valeur du bien](https://europeamerica.mortgage/fr-fr/guides/funding-a-us-home-with-european-savings-or-equity): Utiliser des euros pour l'apport : quand convertir en dollars, emprunter sur un bien européen ou le vendre, et les justificatifs qu'exige un prêteur. - [Assurance habitation et assurance inondation pour acheter une maison américaine](https://europeamerica.mortgage/fr-fr/guides/home-and-flood-insurance-when-buying-in-the-us): Faut-il une assurance inondation pour une maison américaine ? Quand le prêteur l'exige, pourquoi l'assurance habitation l'exclut, le délai de 30 jours. - [Faut-il un ITIN ou un compte bancaire américain pour acheter un bien aux États-Unis ?](https://europeamerica.mortgage/fr-fr/guides/itin-and-us-bank-account-for-european-homebuyers): Peut-on acheter un bien américain sans Social Security number ni compte bancaire américain ? Ce qu'est l'ITIN, qui le demande, comment virer son argent. - [Louer son bien américain quand on est propriétaire européen](https://europeamerica.mortgage/fr-fr/guides/renting-out-your-us-home-as-a-european-owner): Peut-on louer un bien américain depuis l'Europe ? Comment l'IRS taxe les loyers des non-résidents, brut ou net, les formulaires et le regard des prêteurs. - [Quel apport (down payment) et combien de cash faut-il pour un logement américain ?](https://europeamerica.mortgage/fr-fr/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): Quel apport pour un logement aux États-Unis ? Minimums selon la résidence principale, secondaire ou locative, frais de closing et réserves à prévoir. - [L'estate tax américain pour les Européens qui possèdent un bien aux États-Unis](https://europeamerica.mortgage/fr-fr/guides/us-estate-tax-for-european-owners-of-a-us-home): Faut-il payer l'impôt successoral américain sur une maison en Floride ? Le seuil de 60 000 $ pour les non-résidents et ce que les conventions changent. - [Combien de temps dure un achat immobilier aux États-Unis, comparé à l'Europe](https://europeamerica.mortgage/fr-fr/guides/us-home-purchase-timeline-compared-with-europe): Un prêt américain se conclut en général 30 à 45 jours après l'acceptation de l'offre. Les étapes, les délais légaux et les différences avec l'Europe. - [Un prêt immobilier américain après un départ d'Europe](https://europeamerica.mortgage/fr-fr/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, visa de travail ou pas encore de résidence : comment votre statut d'immigration détermine vos prêts, et ce qui a changé pour la FHA en 2025. - [Calculateur de prêt immobilier américain : votre coût mensuel et le cash nécessaire](https://europeamerica.mortgage/fr-fr/guides/us-mortgage-calculator-monthly-cost): Calculez le coût mensuel d'un logement américain : mensualité, property tax, assurance et frais, plus le cash au closing. Taxes de 30 destinations. - [Obtenir un prêt immobilier américain avec un visa E-2 d'investisseur](https://europeamerica.mortgage/fr-fr/guides/us-mortgage-on-e-2-investor-visa): Un logement américain avec un visa E-2 : éligibilité, pourquoi la maison n'est pas l'investissement, revenus d'une entreprise neuve, règle britannique. - [Obtenir un prêt immobilier américain avec un visa H-1B, L-1 ou O-1](https://europeamerica.mortgage/fr-fr/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Peut-on obtenir un prêt américain avec un visa H-1B, L-1 ou O-1 ? Oui. Durée de chaque visa, droit de travail du conjoint et vérifications des prêteurs. - [Obtenir un prêt immobilier américain sans score de crédit américain](https://europeamerica.mortgage/fr-fr/guides/us-mortgage-without-us-credit-score): Arrivé d'Europe sans score de crédit américain ? Comment fonctionnent les scores, comment en bâtir un, et les voies pour les emprunteurs sans score. - [Guides du prêt immobilier américain pour partir d'Europe](https://europeamerica.mortgage/fr-fr/guides): Guides sur le prêt immobilier américain pour qui quitte l'UE ou le Royaume-Uni : visa et prêt, financement de l'apport depuis l'Europe, frais de closing. - [Prêt immobilier américain pour ceux qui quittent l'Europe](https://europeamerica.mortgage/fr-fr/): Conseils pour les personnes de l'UE et du Royaume-Uni qui s'installent aux États-Unis : statut de visa, prêts possibles, apport et frais de closing. - [Où aux États-Unis ? Les destinations pour les Européens](https://europeamerica.mortgage/fr-fr/locations): Où acheter aux États-Unis depuis l'Europe : prix, property tax, frais de closing, assurance et location à Boston, Cape Cod, Miami, Orlando, New York. ## España (es-ES) - [Análisis hipotecario para quienes se mudan desde Europa](https://europeamerica.mortgage/es-es/contact): Inicia un análisis hipotecario para EE. UU. si vives en la UE o el Reino Unido y vas a mudarte: préstamos según tu visado, entrada y closing costs. - [Comprar una casa en EE. UU. desde los Países Bajos](https://europeamerica.mortgage/es-es/from/netherlands): Comprar en EE. UU. desde los Países Bajos: E-2 y ESTA, tu registro BKR, la deducción de intereses y el box 3 al marcharte, y el convenio sobre sucesiones. - [Comprar una casa en EE. UU. desde el Reino Unido](https://europeamerica.mortgage/es-es/from/united-kingdom): Comprar en EE. UU. desde Reino Unido: ESTA y E-2, hipotecas sin historial crediticio de EE. UU., riesgo de la libra, Private Residence Relief y sucesiones. - [Comprar una vivienda en EE. UU. desde el Reino Unido o la UE](https://europeamerica.mortgage/es-es/from-europe): Compara el Reino Unido y los 27 países de la UE en lo que importa al comprar en EE. UU.: viajar sin visado, visado E-2, convenios fiscales y moneda. - [Comprar una vivienda en EE. UU.: costes y title insurance](https://europeamerica.mortgage/es-es/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Qué esperar al comprar en EE. UU. siendo europeo: closing costs, title insurance, escrow, property tax y retención FIRPTA si vende una persona extranjera. - [Financiar un co-op o condo en New York siendo europeo](https://europeamerica.mortgage/es-es/guides/financing-a-new-york-co-op-or-condo-as-a-european): Cómo aprueban los prestamistas un co-op o condo en New York: préstamos sobre participaciones, cuentas del edificio, flip tax y qué preguntar primero. - [Foreign national loans: hipotecas en EE. UU. para compradores que viven en Europa](https://europeamerica.mortgage/es-es/guides/foreign-national-loans-explained): ¿Vives en Europa y quieres una casa de vacaciones o para alquilar en EE. UU.? Por qué no valen los préstamos estándar y qué piden los prestamistas. - [Financiar una casa en EE. UU. con ahorros o capital europeo](https://europeamerica.mortgage/es-es/guides/funding-a-us-home-with-european-savings-or-equity): Usar euros para la entrada en EE. UU.: cuándo cambiar a dólares, pedir un préstamo sobre una vivienda europea o venderla y qué justificantes piden. - [Seguro de hogar y contra inundaciones al comprar una casa en EE. UU.](https://europeamerica.mortgage/es-es/guides/home-and-flood-insurance-when-buying-in-the-us): ¿Necesitas seguro contra inundaciones en EE. UU.? Cuándo lo exigen los prestamistas, por qué el seguro de hogar lo excluye y la espera de 30 días. - [¿Necesitas un ITIN o una cuenta bancaria en EE. UU. para comprar una casa allí?](https://europeamerica.mortgage/es-es/guides/itin-and-us-bank-account-for-european-homebuyers): ¿Puedes comprar en EE. UU. sin número de la Seguridad Social ni cuenta bancaria? Qué es un ITIN, quién lo solicita y cómo enviar el depósito con seguridad. - [Alquilar tu vivienda de EE. UU. como propietario europeo](https://europeamerica.mortgage/es-es/guides/renting-out-your-us-home-as-a-european-owner): ¿Puedes alquilar una casa de EE. UU. desde Europa? Cómo grava el IRS el alquiler a no residentes, bruto o neto, y qué opinan los prestamistas. - [¿Cuánta entrada y cuánto efectivo necesitas para una casa en EE. UU.?](https://europeamerica.mortgage/es-es/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): ¿Cuánta entrada necesita un europeo para comprar en EE. UU.? Mínimos para vivienda habitual, segunda residencia e inversión, gastos de cierre y reservas. - [El estate tax de EE. UU. para europeos que tienen una vivienda allí](https://europeamerica.mortgage/es-es/guides/us-estate-tax-for-european-owners-of-a-us-home): ¿Pagas impuesto de sucesiones en EE. UU. por una casa en Florida? Cómo trata el estate tax a los no residentes, el umbral de 60.000 $ y los convenios. - [Cuánto tarda comprar una casa en EE. UU., comparado con Europa](https://europeamerica.mortgage/es-es/guides/us-home-purchase-timeline-compared-with-europe): Una hipoteca en EE. UU. suele cerrarse de 30 a 45 días tras aceptar tu oferta. Cada paso, los plazos legales de espera y en qué se diferencia de Europa. - [Hipoteca en EE. UU. tras mudarte desde Europa](https://europeamerica.mortgage/es-es/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, visado de trabajo o sin residencia aún: cómo decide tu estatus migratorio qué hipotecas puedes obtener y qué cambió en 2025 para la FHA. - [Calculadora hipotecaria de EE. UU.: tu coste mensual y el efectivo que necesitas](https://europeamerica.mortgage/es-es/guides/us-mortgage-calculator-monthly-cost): Calcula el coste mensual de una casa en EE. UU.: cuota del préstamo, property tax, seguro y comisiones, y el efectivo del closing. Tasas de 30 ubicaciones. - [Cómo conseguir una hipoteca en EE. UU. con un visado de inversor E-2](https://europeamerica.mortgage/es-es/guides/us-mortgage-on-e-2-investor-visa): Una casa en EE. UU. con visado E-2: quién puede acceder, por qué la vivienda nunca cuenta como inversión, ingresos de empresa nueva y regla británica. - [Cómo conseguir una hipoteca en EE. UU. con un visado H-1B, L-1 u O-1](https://europeamerica.mortgage/es-es/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): ¿Se puede conseguir una hipoteca en EE. UU. con un H-1B, L-1 u O-1? Sí. Cuánto dura cada uno, si tu pareja puede trabajar y qué revisan los prestamistas. - [Cómo conseguir una hipoteca en EE. UU. sin puntuación crediticia estadounidense](https://europeamerica.mortgage/es-es/guides/us-mortgage-without-us-credit-score): ¿Acabas de mudarte desde Europa y no tienes puntuación crediticia en EE. UU.? Cómo funciona, en cuánto tiempo se consigue y qué vías usan los prestamistas. - [Guías de hipotecas en EE. UU. si te mudas desde Europa](https://europeamerica.mortgage/es-es/guides): Guías de hipotecas en EE. UU. si te mudas desde la UE o el Reino Unido: cómo decide el visado tu préstamo, financiar la entrada y los closing costs. - [Hipotecas en EE. UU. para quienes se mudan desde Europa](https://europeamerica.mortgage/es-es/): Orientación para personas de la UE y del Reino Unido que se mudan a EE. UU.: estatus de visado, préstamos posibles, entrada y closing costs. - [¿Dónde en Estados Unidos? Destinos para europeos](https://europeamerica.mortgage/es-es/locations): Dónde comprar en EE. UU. desde Europa: precios, property tax, closing costs, seguros y alquiler en Boston, Cape Cod, Miami, Orlando y New York. ## Italia (it-IT) - [Analisi del finanziamento USA per chi si trasferisce dall'Europa](https://europeamerica.mortgage/it-it/contact): Avvia un'analisi del finanziamento se vivi nell'UE o nel Regno Unito e vuoi trasferirti negli USA: prestiti per il tuo status, anticipo e closing costs. - [Comprare casa negli Stati Uniti dai Paesi Bassi](https://europeamerica.mortgage/it-it/from/netherlands): Casa negli USA per acquirenti olandesi: E-2 ed ESTA, il registro BKR, hypotheekrenteaftrek e box 3 alla partenza e la convenzione sulle successioni. - [Comprare casa negli Stati Uniti dal Regno Unito](https://europeamerica.mortgage/it-it/from/united-kingdom): Casa negli USA per acquirenti britannici: ESTA ed E-2, mutui senza storico creditizio USA, rischio sterlina, Private Residence Relief e successioni. - [Comprare casa negli USA dal Regno Unito o dall'UE](https://europeamerica.mortgage/it-it/from-europe): Confronta Regno Unito e 27 paesi UE per comprare casa negli USA: viaggi senza visto, visto E-2, convenzioni fiscali, previdenza sociale e valuta. - [Comprare casa negli USA da europeo: costi e title insurance](https://europeamerica.mortgage/it-it/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Cosa aspettarsi comprando negli USA da europeo: closing costs, title insurance, escrow e property tax, e la ritenuta FIRPTA quando vende uno straniero. - [Finanziare un co-op o condo a New York da europeo](https://europeamerica.mortgage/it-it/guides/financing-a-new-york-co-op-or-condo-as-a-european): Come i finanziatori approvano un co-op o condo a New York: mutui su quote, conti dell'edificio, flip tax e le prime domande da fare. - [Foreign national loans: i mutui americani per chi vive in Europa](https://europeamerica.mortgage/it-it/guides/foreign-national-loans-explained): Vivi in Europa e vuoi comprare casa negli USA? Cos'è un foreign national loan, perché i mutui standard ti sono preclusi e cosa chiedono i finanziatori. - [Finanziare una casa USA con risparmi o casa in Europa](https://europeamerica.mortgage/it-it/guides/funding-a-us-home-with-european-savings-or-equity): Usare gli euro per l'anticipo di una casa USA: quando convertire in dollari, prestito sulla casa europea o vendita e le prove di fondi richieste. - [Assicurazione sulla casa e contro le alluvioni quando compri una casa negli USA](https://europeamerica.mortgage/it-it/guides/home-and-flood-insurance-when-buying-in-the-us): Serve l'assicurazione contro le alluvioni per una casa USA? Quando la impongono i finanziatori, perché le polizze casa la escludono, l'attesa di 30 giorni. - [Ti serve un ITIN o un conto bancario USA per comprare casa negli USA?](https://europeamerica.mortgage/it-it/guides/itin-and-us-bank-account-for-european-homebuyers): Si può comprare casa negli USA senza Social Security number né conto americano? Che cos'è l'ITIN, chi lo chiede e come spostare il deposito in sicurezza. - [Affittare la tua casa USA da proprietario europeo](https://europeamerica.mortgage/it-it/guides/renting-out-your-us-home-as-a-european-owner): Puoi affittare una casa negli USA dall'Europa? Come l'IRS tassa l'affitto ai non residenti, lordo o netto, i moduli e come lo vedono i finanziatori. - [Quanto anticipo e quanta liquidità servono per una casa negli USA?](https://europeamerica.mortgage/it-it/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): Quanto anticipo serve a un europeo per una casa americana? Minimi per abitazione principale, seconda casa e affitto, più spese di chiusura e riserve. - [Imposta di successione USA per gli europei con una casa negli USA](https://europeamerica.mortgage/it-it/guides/us-estate-tax-for-european-owners-of-a-us-home): Si paga l'imposta di successione USA su una casa in Florida? Come tratta i non residenti, la soglia di 60.000 $ e che cosa possono cambiare le convenzioni. - [Quanto dura l'acquisto di una casa USA rispetto all'Europa](https://europeamerica.mortgage/it-it/guides/us-home-purchase-timeline-compared-with-europe): Un mutuo USA di solito si chiude da 30 a 45 giorni dopo l'offerta accettata. Ogni passaggio, le attese di legge e le differenze con l'Europa. - [Ottenere un mutuo USA dopo il trasferimento dall'Europa](https://europeamerica.mortgage/it-it/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, visto di lavoro o nessuna residenza USA: come lo status migratorio decide quali mutui USA puoi ottenere e cosa è cambiato per l'FHA nel 2025. - [Calcolatore di mutuo USA: costo mensile e liquidità necessaria](https://europeamerica.mortgage/it-it/guides/us-mortgage-calculator-monthly-cost): Calcola il costo mensile di una casa negli USA: rata, property tax, assicurazione e spese, più la liquidità al closing. Aliquote per 30 località USA. - [Ottenere un mutuo USA con un visto E-2 per investitori](https://europeamerica.mortgage/it-it/guides/us-mortgage-on-e-2-investor-visa): Casa USA con visto E-2: chi ha i requisiti, perché la casa non conta come investimento, come i finanziatori valutano il reddito di una nuova attività. - [Ottenere un mutuo USA con un visto H-1B, L-1 o O-1](https://europeamerica.mortgage/it-it/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Si può avere un mutuo USA con un visto H-1B, L-1 o O-1? Sì. Quanto dura ogni visto, se il partner può lavorare e cosa controllano i finanziatori. - [Ottenere un mutuo USA senza un punteggio di credito americano](https://europeamerica.mortgage/it-it/guides/us-mortgage-without-us-credit-score): Appena arrivato dall'Europa e senza punteggio di credito USA? Come funzionano i punteggi, quanto serve per averne uno e le vie per chi non ne ha. - [Guide sui mutui USA per chi si trasferisce dall'Europa](https://europeamerica.mortgage/it-it/guides): Guide sui mutui USA per chi si trasferisce dall'UE o dal Regno Unito: come il visto decide il prestito, finanziare l'anticipo e i closing costs. - [Mutuo negli USA per chi si trasferisce dall'Europa](https://europeamerica.mortgage/it-it/): Guida al mutuo per chi vive nell'UE o nel Regno Unito e si trasferisce negli USA: come il visto incide su prestiti, anticipo e closing costs. - [Dove negli Stati Uniti? Le destinazioni per gli europei](https://europeamerica.mortgage/it-it/locations): Dove comprare casa negli USA da europeo: prezzi, property tax, closing costs, assicurazione e affitti a Boston, Cape Cod, Miami, Orlando e New York. ## Polska (pl-PL) - [Analiza hipoteczna dla osób przeprowadzających się do USA](https://europeamerica.mortgage/pl-pl/contact): Rozpocznij analizę hipoteczną, jeśli mieszkasz w UE lub Wielkiej Brytanii i planujesz przeprowadzkę do USA: kredyty, wkład własny i closing costs. - [Kupno domu w USA z Holandii](https://europeamerica.mortgage/pl-pl/from/netherlands): Dom w USA dla kupujących z Holandii: ESTA i E-2, rejestr BKR, odliczenie odsetek i box 3 przy wyjeździe oraz umowa w sprawie podatku spadkowego. - [Kupno domu w USA z Wielkiej Brytanii](https://europeamerica.mortgage/pl-pl/from/united-kingdom): Dom w USA dla kupujących z Wielkiej Brytanii: ESTA i E-2, kredyt bez amerykańskiej historii, ryzyko funta, Private Residence Relief i podatek od spadków. - [Zakup domu w USA z Wielkiej Brytanii lub UE](https://europeamerica.mortgage/pl-pl/from-europe): Wielka Brytania i 27 krajów UE w porównaniu pod kątem zakupu domu w USA: podróże bez wizy, wiza E-2, umowy podatkowe, ubezpieczenia społeczne i waluta. - [Zakup domu w USA jako Europejczyk: koszty i title insurance](https://europeamerica.mortgage/pl-pl/guides/buying-a-us-home-as-a-european-closing-costs-title-insurance): Czego spodziewać się przy zakupie w USA: closing costs, title insurance, escrow, property tax i potrącenie FIRPTA przy sprzedaży przez cudzoziemca. - [Finansowanie co-op lub condo w New York jako Europejczyk](https://europeamerica.mortgage/pl-pl/guides/financing-a-new-york-co-op-or-condo-as-a-european): Jak kredytodawcy zatwierdzają co-op lub condo w New York: kredyty pod udziały, finanse budynku, flip tax i pierwsze pytania do zadania. - [Foreign national loans: kredyty hipoteczne w USA dla kupujących mieszkających w Europie](https://europeamerica.mortgage/pl-pl/guides/foreign-national-loans-explained): Mieszkasz w Europie i chcesz kupić dom wakacyjny lub mieszkanie na wynajem w USA? Dlaczego standardowe kredyty są zamknięte i czego żądają kredytodawcy. - [Dom w USA za europejskie oszczędności lub kapitał z domu](https://europeamerica.mortgage/pl-pl/guides/funding-a-us-home-with-european-savings-or-equity): Euro na wkład własny w USA: kiedy zamienić je na dolary, kredyt pod zastaw europejskiego domu lub jego sprzedaż i dokumenty, o które poprosi kredytodawca. - [Ubezpieczenie domu i od powodzi przy zakupie domu w USA](https://europeamerica.mortgage/pl-pl/guides/home-and-flood-insurance-when-buying-in-the-us): Czy dom w USA wymaga ubezpieczenia od powodzi? Kiedy żąda go kredytodawca, czemu polisa domu go pomija, jak działa 30 dni karencji i kiedy brać wyceny. - [Czy potrzebujesz ITIN albo konta w USA, żeby kupić dom w USA?](https://europeamerica.mortgage/pl-pl/guides/itin-and-us-bank-account-for-european-homebuyers): Czy kupisz dom w USA bez numeru Social Security i konta w USA? Czym jest ITIN, kto o niego występuje i jak bezpiecznie przelać wkład własny. - [Wynajem domu w USA jako europejski właściciel](https://europeamerica.mortgage/pl-pl/guides/renting-out-your-us-home-as-a-european-owner): Czy możesz wynajmować dom w USA z Europy? Jak IRS opodatkowuje czynsz nierezydentów, brutto czy netto, jakie formularze i jak widzą to kredytodawcy. - [Ile wkładu własnego i gotówki potrzebujesz na dom w USA?](https://europeamerica.mortgage/pl-pl/guides/us-down-payment-and-cash-to-close-for-foreign-buyers): Ile wkładu własnego potrzebuje Europejczyk na dom w USA? Minimalny wkład na główny dom, drugi dom i wynajem oraz closing costs i rezerwy. - [Amerykański podatek spadkowy dla Europejczyków z domem w USA](https://europeamerica.mortgage/pl-pl/guides/us-estate-tax-for-european-owners-of-a-us-home): Czy płacisz amerykański podatek spadkowy od domu na Florydzie? Jak USA opodatkowują nierezydentów, próg 60 000 $ i co mogą zmienić umowy. - [Ile trwa zakup domu w USA w porównaniu z Europą](https://europeamerica.mortgage/pl-pl/guides/us-home-purchase-timeline-compared-with-europe): Kredyt w USA zwykle zamyka się od 30 do 45 dni po przyjęciu oferty. Poznaj każdy etap, ustawowe terminy oczekiwania i różnice względem Europy. - [Kredyt hipoteczny w USA po przeprowadzce z Europy](https://europeamerica.mortgage/pl-pl/guides/us-mortgage-after-moving-from-europe-visa-status): Green card, wiza pracownicza albo brak rezydencji w USA: jak status imigracyjny decyduje o dostępnych kredytach i co zmieniło się w FHA w 2025 roku. - [Kalkulator kredytu hipotecznego w USA: twój miesięczny koszt i potrzebna gotówka](https://europeamerica.mortgage/pl-pl/guides/us-mortgage-calculator-monthly-cost): Oblicz miesięczny koszt domu w USA: rata kredytu, property tax, ubezpieczenie i opłaty oraz gotówkę na closing. Stawki podatku dla 30 lokalizacji. - [Kredyt hipoteczny w USA na wizie inwestorskiej E-2](https://europeamerica.mortgage/pl-pl/guides/us-mortgage-on-e-2-investor-visa): Dom w USA na wizie E-2: kto się kwalifikuje, dlaczego dom nigdy nie jest inwestycją, jak kredytodawcy widzą dochód z nowej firmy i zasada dla Brytyjczyków. - [Kredyt hipoteczny w USA na wizie H-1B, L-1 lub O-1](https://europeamerica.mortgage/pl-pl/guides/us-mortgage-on-work-visa-h-1b-l-1-o-1): Kredyt hipoteczny w USA na wizie H-1B, L-1 lub O-1? Tak. Sprawdź, jak długo trwa każda wiza, czy partner może pracować i co sprawdzają kredytodawcy. - [Kredyt hipoteczny w USA bez amerykańskiego scoringu kredytowego](https://europeamerica.mortgage/pl-pl/guides/us-mortgage-without-us-credit-score): Przeprowadzka z Europy i brak amerykańskiego scoringu kredytowego? Jak działa scoring, jak szybko go zbudujesz i jakie ścieżki mają kredytodawcy. - [Poradniki o kredycie hipotecznym w USA dla osób z Europy](https://europeamerica.mortgage/pl-pl/guides): Poradniki o kredycie hipotecznym w USA dla osób przeprowadzających się z UE lub Wielkiej Brytanii: status wizowy, wkład własny z Europy i closing costs. - [Kredyty hipoteczne w USA dla osób przeprowadzających się z Europy](https://europeamerica.mortgage/pl-pl/): Kredyt hipoteczny w USA dla osób z UE i Wielkiej Brytanii: jak status wizowy wpływa na dostępne kredyty, wkład własny i closing costs. - [Gdzie w Stanach Zjednoczonych? Kierunki dla Europejczyków](https://europeamerica.mortgage/pl-pl/locations): Gdzie kupić dom w USA jako Europejczyk: ceny, property tax, closing costs, ubezpieczenie i zasady wynajmu. Boston, Cape Cod, Miami, Orlando, New York. ## Optional - [Full text of the English pages](https://europeamerica.mortgage/llms-full.txt): every English page as plain markdown, for models that read long context. - [Sitemap](https://europeamerica.mortgage/sitemap.xml): all pages with language alternates and last-modified dates.