Baja Property Insider · Transaction Library
Existing Home or Condo
Last reviewed August 2026 · bajapropertyinsider.com/transaction-library
Buying a home or condo that's already built adds a layer on top of the land process: confirming the structure itself, and the way it's owned, is exactly what the seller says it is.
01 · Confirm the property is legally clean
Before you fall for the view, make sure the seller can actually sell it — verifying who really owns the property and whether anything (unpaid taxes, a contractor's lien, a family dispute) is attached to it.
Who is involved: Notario
Typical cost: $300–$800 USD
Typical timeline: 1–3 weeks
Seller's escritura or fideicomiso
Certificado de Libertad de Gravamen
HOA / condo regime documents
Bylaws, fee history, special assessments — if applicable.
02 · Put the deal in writing
Once you agree on price and terms, you sign a purchase agreement that locks in the deal while paperwork catches up — it's a promise to complete the sale, not the final deed.
Who is involved: Notario or real estate attorney
Typical cost: 5–10% of price as earnest-money deposit (credited toward purchase)
Typical timeline: Signed within days of an accepted offer
Contrato de promesa de compraventa
03 · Set up how you'll hold title
Same rule as raw land — restricted zone plus foreign buyer means a fideicomiso; otherwise the deed can be held directly.
Who is involved: SRE, Bank / trustee, Notario
Typical cost: $1,000–$2,500 USD if fideicomiso required, free otherwise
Typical timeline: 3–6 weeks (runs alongside step 1)
SRE permit and fideicomiso agreement
If applicable.
04 · Close and pay the transfer taxes
At closing, the notario finalizes the numbers — buyer's acquisition tax, any seller capital gains tax — and everyone signs the final deed.
Who is involved: Notario
Typical cost: 5–8% of property value, total
Typical timeline: Closing day itself, once prior steps complete
Notario's closing statement
Itemizes all costs.
05 · Register and take over the property
The deed gets filed with the Public Registry, then it's time to make the property yours in every practical sense.
Who is involved: Public Registry, Utility companies, HOA
Typical cost: Included in step 4's closing statement
Typical timeline: 30–60 days for registry; utilities usually same week
Public Registry filing receipt
HOA membership transfer
If applicable.