Why does down payment vary across Puerto Rico?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority PR

Estimated owner-finance down payment by city in Puerto Rico.

Down payments scale with home prices but flex by financing type. This ranks Puerto Rico cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

Puerto Rico ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Guaynabo	$35,900	69	View →
2	San Juan	$31,600	74	View →
3	Bayamon	$31,600	74	View →
4	Carolina	$31,600	74	View →
5	Caguas	$31,600	74	View →
6	Ponce	$31,600	74	View →
7	Trujillo Alto	$27,600	78	View →
8	Gurabo	$27,500	78	View →
9	Dorado	$27,800	78	View →
10	Toa Alta	$27,100	79	View →
11	Toa Baja	$25,900	80	View →
12	Canovanas	$25,600	80	View →
13	Cayey	$25,700	80	View →
14	Cidra	$25,900	80	View →
15	Rio Grande	$25,300	81	View →
16	Humacao	$25,300	81	View →
17	San Lorenzo	$24,700	81	View →
18	Vega Alta	$24,800	81	View →
19	Fajardo	$24,800	81	View →
20	Coto Laurel	$24,800	81	View →
21	Mayaguez	$24,200	82	View →
22	Arecibo	$24,600	82	View →
23	Vega Baja	$24,400	82	View →
24	Aguadilla	$24,100	82	View →
25	Juana Diaz	$23,900	82	View →
26	Cabo Rojo	$24,500	82	View →
27	Manati	$24,200	82	View →
28	Guayama	$24,100	82	View →
29	Hatillo	$24,500	82	View →
30	Aguada	$23,900	82	View →
31	Juncos	$24,500	82	View →
32	Coamo	$24,100	82	View →
33	Las Piedras	$24,400	82	View →
34	Corozal	$23,800	82	View →
35	Camuy	$24,400	82	View →
36	San German	$23,900	82	View →
37	Naranjito	$24,400	82	View →
38	Naguabo	$24,200	82	View →
39	Villalba	$23,900	82	View →
40	Aibonito	$23,900	82	View →
41	Isabela	$23,400	83	View →
42	San Sebastian	$23,200	83	View →
43	Yauco	$23,500	83	View →
44	Moca	$23,500	83	View →
45	Yabucoa	$23,600	83	View →
46	Morovis	$23,400	83	View →
47	Barranquitas	$23,400	83	View →
48	Utuado	$23,400	83	View →
49	Aguas Buenas	$23,600	83	View →
50	Lares	$23,200	83	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Puerto Rico?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.