Buying a Home in California as a Foreign National

There is no citizenship requirement to own property in California. International buyers purchase homes every year, often with cash or a foreign-national mortgage.

Financing

Foreign-national loans usually require 25–40% down, proof of income, and reserves. Some lenders accept international credit reports.

Taxes

FIRPTA withholding may apply when a foreign owner sells. Work with a tax professional familiar with cross-border ownership.

Buying remotely

Video tours, e-signatures, and remote notarization make it possible to purchase without being in the U.S. for every step.

Planning a longer-term move? Sean partners with Worldwide Path for immigration planning resources.