Miami Condo Deposit Structures Explained

Deposit structure is one of the biggest differentiators between Miami pre-construction developments — and one of the most commonly overlooked factors by first-time buyers.

Common structures

• Fixed-schedule deposits — a set percentage due at signing, then additional fixed percentages at set calendar intervals (e.g., every 6 months).
• Construction-milestone deposits — deposits triggered by physical progress (permitting, groundbreaking, topping-off) rather than the calendar, which is common on larger Miami towers.
• Deposit protection — Florida law and individual developer practices around escrow accounts affect how deposit funds are held during construction; this should be confirmed in the contract, not assumed.

Why it matters

A lower starting price with a front-loaded deposit schedule can require more cash sooner than a higher-priced unit with milestone-based deposits. Comparing total cash required at each stage — not just the headline price — is part of how Diego helps buyers evaluate competing developments.

Contact Diego for the current deposit structure on any project on this site.