Puerto Rico Mortgage Guides 2026
This complete Puerto Rico mortgage guide covers 2026 FHA loan limits for all 78 municipios, AFV’s Pronto pa’ tu casa down payment grants and Vivienda Joven loans, USDA rural loans in eligible areas, VA resources near Fort Buchanan, and Property Registry fees at closing — all in one place.
Everything You Need for a Puerto Rico Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Puerto Rico — from loan program selection to what you’ll pay at closing.
Puerto Rico Mortgage Guide
The complete overview: 2026 FHA and conforming loan limits by municipio, AFV programs, property taxes, Property Registry fees, and Puerto Rico’s housing markets in one place.
Read guide →Puerto Rico First-Time Home Buyer Guide
Pronto pa’ tu casa grants of up to $45,000 to $60,000, AFV’s Vivienda Joven loan for young graduates, the HOME program, and income limits explained.
Read guide →Puerto Rico FHA Loan Requirements
2026 FHA limits for all 78 municipios — $690,000 in the San Juan metro and $541,287 elsewhere — plus credit score requirements, MIP, and FHA Boricua.
Read guide →Puerto Rico VA Loan Requirements
VA loan benefits for Puerto Rico veterans and service members — no down payment, no monthly mortgage insurance, and context for Fort Buchanan in the San Juan metro.
Read guide →Puerto Rico USDA Loans
USDA-eligible areas in Puerto Rico, the FY2026 income limit of $122,800 for 1–4 person households, and how to check any address before you shop.
Read guide →Puerto Rico Closing Costs Guide
Property Registry fees under Ley 91-1970, notary and title costs, and how Pronto pa’ tu casa can cover closing costs for eligible buyers.
Read guide →Key Puerto Rico Mortgage Guide Facts
FHA Loan Limits (2026)
- 40 municipios in the San Juan-Bayamón-Caguas metro: $690,000
- The other 38 municipios: $541,287, the national floor
- Conforming limit in all 78 municipios: $832,750 (FHFA)
- Source: HUD 2026 forward mortgage limits file
Down Payment Assistance
- Pronto pa’ tu casa: up to $45,000 for eligible households
- Up to $55,000 if a household member is Critical Recovery Worker personnel, plus $5,000 in a designated urban center
- Must live in the home as your principal residence for 5 years
- Details at afv.pr.gov
Property Taxes
- Est. effective rate ~0.44% (median tax paid ÷ median owner-occupied value, Census ACS 2024, B25103)
- Assessed and collected by CRIM, the Municipal Revenue Collection Center
- Principal residence exoneration: the first $15,000 of assessed value is exempt
- Exoneration covers one home per taxpayer, up to one cuerda
Closing Cost Highlights
- Property Registry presentation fee: $15 per document
- Inscription: $50 for the first $25,000 of value, then $4 per $1,000 (Ley 91-1970)
- The deed and the mortgage are each inscribed
- Notary fees are set by the Notarial Law — ask your notary for a quote
Buying or Refinancing in Puerto Rico?
Puerto Rico offers Pronto pa’ tu casa grants and AFV’s Vivienda Joven loan, and parts of the island qualify for USDA financing. Our guides above break down all of it, and every figure links to the official source so you can verify current terms.
- ✓ Check Pronto pa’ tu casa and Vivienda Joven terms at afv.pr.gov
- ✓ Confirm your municipio’s 2026 FHA limit with HUD
- ✓ Check any address on USDA’s eligibility map
- ✓ Estimate Property Registry fees with our closing cost guide
No obligation · Educational first
Talk to a Puerto Rico Mortgage Advisor
Have questions about buying or refinancing in Puerto Rico? A licensed mortgage advisor can walk you through your loan options, assistance programs and costs, with no obligation.
Speak to a Mortgage Advisor