Buying guide Β· Orlando
Buying a home in Orlando: the complete guide for Brazilians
Updated on 2026-07-14
Yes, Brazilians can buy a home in Orlando without a visa, green card or residency β US law requires neither nationality nor immigration status to own property. In practice you need a valid passport, an ITIN number and a US bank account. Homes in Orlando average $500Kβ$900K. You can pay all cash or finance with a 25%β40% down payment as a foreigner. Add 3%β5% in closing costs and roughly 1.1%β1.5% of the value per year in property tax. From contract to closing, an all-cash purchase takes 30β45 days.
Quick summary
- A Brazilian can buy without a visa or residency β just a passport, ITIN and a US bank account.
- Typical Orlando ticket: $500K to $900K, depending on area and standard.
- All cash closes in 30β45 days; financing as a foreigner needs 25%β40% down.
- Budget 3%β5% in closing costs and ~1.1%β1.5% of the value per year in property tax.
The figures on this page are 2026 market references and vary by area, property type, lender and buyer profile. Confirm the current numbers for your specific case with Daniel Dourado before deciding.
Why Orlando and who can buy
Orlando combines three things that rarely appear together: constant tourism with more than 70 million visitors a year, an economy growing above the US average, and property that is still more affordable than Miami or New York. For a Brazilian, that means income in dollars, solid historical appreciation and a liquid market β well-located homes sell quickly when you decide to exit. It is also a destination your family already knows, which lowers the anxiety of buying far from home.
Legally there is no barrier: the United States lets any foreigner own property, without requiring a visa, green card or residency. You buy as an individual or through a company (LLC), and the choice depends on estate and tax planning β not on permission. Daniel Dourado, who has closed 58 transactions in Magic Village alone, guides Brazilians through this process end to end, in Portuguese, aligning each step with the rules of both countries.
The buying process, from start to closing
The process starts with setting a budget and getting pre-approved (if financing) or proving funds (if paying cash). With your agent you select homes, tour them in person or by video and submit a written offer. Once accepted, the contract is signed and you deposit earnest money β typically 1%β2% of the price β into an escrow account. The money does not go to the seller; it is held by a neutral title company.
Next come the home inspection, the title search and the appraisal if there is financing. This is the due-diligence window, in which you can still renegotiate or walk away within the contract clauses. With everything approved, closing is scheduled: you sign the documents, wire the balance, and the deed is recorded in your name. All cash, the whole cycle takes 30β45 days; with financing, 45β60 days because of the lender review.
Documents: passport, ITIN and a US bank account
The document list is short. You need a valid passport to identify yourself, an ITIN (Individual Taxpayer Identification Number) β the taxpayer number for people without a Social Security number β and a US bank account to move funds and pay the property bills. The ITIN is requested from the IRS and usually arrives within a few weeks; the account can be opened at banks that serve foreigners, often remotely, with the agentβs support.
If you buy through an LLC, the company formation documents and the EIN (the US tax ID) are added. For financing, the lender asks for proof of income and reserves, usually in English and sometimes with a certified translation. None of these steps requires you to be in the US: most are handled remotely, and closing can be done at a distance with a power of attorney. Daniel organizes this paperwork so the client never misses a deadline.
Closing costs and upfront costs
| Item | Estimated amount (USD) |
|---|---|
| Title insurance + title search | $3,000 β $4,500 |
| Closing / escrow fees | $1,200 β $2,000 |
| Home inspection | $350 β $600 |
| Documentary stamp + recording | $4,000 β $4,500 |
| ITIN / LLC / attorney setup (optional) | $800 β $2,500 |
| Prorated property tax + insurance at closing | $3,500 β $6,000 |
| Estimated total upfront costs | β $13,000 β $20,000 (3β5%) |
Reference for a $600K home bought all cash. Estimated figures, subject to variation.
$600K home, all cash
- Price
- $600,000
- Closing costs (~4%)
- $24,000
- No financing
- $0
- Property tax/yr (~1.2%)
- $7,200
No monthly installments; property tax and insurance are the recurring fixed costs.
$700K home, 35% down (financed)
- Price
- $700,000
- Down payment (35%)
- $245,000
- Financed (65%)
- $455,000
- Closing costs (~4%)
- $28,000
The monthly mortgage payment comes on top β size your cash flow using non-resident interest rates.
Where to buy: main Orlando areas
- Lake NonaMaster-planned tech and health hub, strong appreciation
- Dr. Phillips / WindermereUpscale area, close to parks and restaurants
- Winter GardenCharming downtown, family-friendly with good liquidity
- ChampionsGate / DavenportNewer communities, great to live in or rent short-term
The area you choose sets price, neighborhood profile and appreciation and rental potential.
All cash vs. financed vs. via LLC
| Criterion | All cash (individual) | Financed (individual) | Via LLC |
|---|---|---|---|
| Upfront cash | 100% + costs | 25β40% + costs | Same as individual + setup |
| Closing speed | 30β45 days | 45β60 days | 30β60 days |
| Estate protection | Low | Low | High |
| Complexity / annual cost | Low | Medium | Higher |
Available homes and communities in Orlando
Availability and prices change often β talk to Daniel to see active units.
Client cases
Couple from Curitiba, first US home
They had never bought outside Brazil. Daniel handled the ITIN, the bank account and the remote closing β they signed everything without leaving Curitiba.
100% remote closing in 38 days
Business owner from SΓ£o Paulo, LLC purchase
He wanted estate protection for his children. We structured the purchase through an LLC and financed 60% with a foreign-buyer lender.
LLC purchase with 40% down
Common mistakes and risks to avoid
Buying without understanding recurring costs
Many focus only on the price and forget property tax, insurance, HOA and maintenance. Add these up before closing so you are not surprised later.
Ignoring tax and estate planning
Buying as an individual or via LLC changes taxes and inheritance. Decide the structure before the offer, with guidance β changing it later is costly and slow.
Skipping the inspection or title search
Without a home inspection and title search you can inherit structural problems or debts tied to the property. These are cheap steps that prevent large losses.
Watch: how Brazilians buy a home in Orlando
Replace with the official video from Daniel Douradoβs channel.
Frequently asked questions
Do I need a visa or green card to buy?
No. US law allows foreigners to buy property without a visa, residency or green card. You buy with a passport, an ITIN and a US bank account.
What is the ITIN and how do I get one?
The ITIN is the IRS taxpayer number for people without a Social Security number. It is requested from the IRS with your passport and arrives in a few weeks β Daniel walks you through the steps.
Can I finance as a non-resident Brazilian?
Yes. Some banks finance foreigners with 25%β40% down and non-resident rates, without requiring US credit history.
Do I need to travel to the US to close?
It is not mandatory. Closing can be done remotely with a power of attorney, and much of the paperwork is handled at a distance.
How much tax will I pay per year?
Property tax is around 1.1%β1.5% of the home value per year. There are also rental-income taxes and rules on the sale β worth planning with guidance.
Want to buy your Orlando home with confidence?
Daniel Dourado guides Brazilians from budget to closing β ITIN, bank account, financing and documents β and sends the available units for your profile.