{"id":12552,"date":"2026-11-04T10:50:04","date_gmt":"2026-11-04T18:50:04","guid":{"rendered":"https:\/\/portalbrazilusa.org\/?page_id=12552"},"modified":"2026-11-04T13:53:31","modified_gmt":"2026-11-04T21:53:31","slug":"ja-moro-aqui","status":"publish","type":"page","link":"https:\/\/portalbrazilusa.org\/en\/guia-do-imigrante\/ja-moro-aqui\/","title":{"rendered":"J\u00e1 moro aqui"},"content":{"rendered":"<div class=\"pg-guia\"><style>.elementor-element-67bfbc8{display:none!important}\n.pg-guia{--n:#0b2545;--n2:#13315c;--y:#ffc914;--y2:#fff4cc;--t:#1d2433;--m:#5b6475;--l:#e6e9ef;--bg:#f6f7fa;font:17px\/1.65 Inter,system-ui,-apple-system,\"Segoe UI\",Roboto,sans-serif;color:var(--t);background:#fff;max-width:1120px;margin:0 auto;padding:0 20px 40px}\n.pg-guia *{box-sizing:border-box}.pg-guia a{color:var(--n2);text-underline-offset:3px}\n.pg-guia h1,.pg-guia h2,.pg-guia h3{color:var(--n);line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em}\n.pg-guia 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.pg-modal-x{position:absolute;top:10px;right:10px;width:40px;height:40px;border:0;border-radius:50%;background:#f1f3f7;color:#00316e;font-size:1.6rem;line-height:1;cursor:pointer}\n@media(max-width:600px){.pg-guia .pg-modal{padding:0;align-items:stretch}.pg-guia .pg-modal-box{max-height:100vh;height:100%;border-radius:0}}\n.pg-guia button{font-family:inherit;text-transform:none;letter-spacing:normal;white-space:normal}\n.pg-guia button.pg-cta,.pg-guia button.pg-cta:hover,.pg-guia button.pg-cta:focus,.pg-guia button.pg-cta:active{background:var(--n)!important;color:#fff!important;border:0!important;font-size:1rem;line-height:1.4;cursor:pointer}\n.pg-guia button.pg-cta:hover,.pg-guia button.pg-cta:focus-visible{background:var(--n2)!important;outline:3px solid var(--y);outline-offset:2px}\n.pg-guia button.pg-tg,.pg-guia button.pg-tg:focus{background:#fff!important;color:var(--n)!important;border:1.5px solid var(--l)!important}\n.pg-guia button.pg-tg:hover,.pg-guia 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a.nx:focus{background:var(--n)!important;color:#fff!important}\n.pg-guia .pg-pn a.nx *{color:#fff!important}\n.pg-guia button.pg-cta *,.pg-guia button.pg-tg.on *{color:#fff!important}\n<\/style><nav class=\"pg-bar\" aria-label=\"Fases do guia\"><a class=\"pg-brand\" href=\"\/en\/guia-do-imigrante\/\"><b>PB<\/b>Guia do Imigrante<\/a><div class=\"pg-chips\"><a href=\"\/en\/guia-do-imigrante\/\" class=\"\" data-ph=\"home\">In&#237;cio<\/a><a href=\"\/en\/guia-do-imigrante\/antes-de-mudar\/\" class=\"\" data-ph=\"antes\">Antes de mudar<\/a><a href=\"\/en\/guia-do-imigrante\/primeiros-90-dias\/\" class=\"\" data-ph=\"p90\">Primeiros 90 dias<\/a><a href=\"\/en\/guia-do-imigrante\/ja-moro-aqui\/\" class=\"on\" aria-current=\"page\" data-ph=\"ja\">J&#225; moro aqui<\/a><a href=\"\/en\/guia-do-imigrante\/empreender\/\" class=\"\" data-ph=\"emp\">Empreender<\/a><a href=\"\/en\/guia-do-imigrante\/calculadora\/\" class=\"cmp\" data-ph=\"calc\">Calculadora de custo<\/a><a href=\"\/en\/guia-do-imigrante\/#busca\" class=\"srch\" aria-label=\"Buscar no guia\">Buscar<\/a><\/div><\/nav><header class=\"pg-hero\"><div><p class=\"pg-eye\">FASE 3<\/p><h1>J&#225; moro aqui<\/h1><p class=\"pg-lead\">Sa&#237;da fiscal do Brasil, imposto americano, green card e cidadania, compra da casa, aposentadoria e patrim&#244;nio.<\/p><\/div><\/header><div class=\"pg-30\"><p class=\"pg-kicker\">Em 30 segundos<\/p><p>Comunique a sa&#237;da definitiva ao Brasil (CSDP) at&#233; o &#250;ltimo dia de fevereiro do ano seguinte.<\/p><p>Declare contas no Brasil ao governo americano (FBAR) todo ano.<\/p><p>Green card de 5 anos (3, se casado com cidad&#227;o) abre o pedido de cidadania.<\/p><p class=\"pg-progress\" data-ph=\"ja\"><\/p><\/div><nav class=\"pg-toc\" aria-label=\"Nesta p&#225;gina\"><a href=\"#saida\">Sa&#237;da do Brasil<\/a><a href=\"#impostos\">Imposto americano<\/a><a href=\"#status\">Status e cidadania<\/a><a href=\"#casa\">Comprar casa<\/a><a href=\"#aposentadoria\">Aposentadoria<\/a><a href=\"#patrimonio\">Patrim&#244;nio<\/a><a href=\"#checklist\">Checklist de quem j&#225; mora aqui<\/a><a href=\"#links\">Links oficiais<\/a><\/nav><section id=\"saida\" class=\"pg-acc\"><details open><summary><h2>Sa&#237;da do Brasil<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Duas etapas: comunicar a sa&#237;da (CSDP) at&#233; o &#250;ltimo dia de fevereiro do ano seguinte, e a declara&#231;&#227;o de sa&#237;da (DSDP) no prazo do IR.<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/www.gov.br\/pt-br\/servicos\/comunicar-saida-definitiva-do-pais\" target=\"_blank\" rel=\"noopener\">Receita Federal (gov.br)<\/a><\/p><\/div><div><p>Morar nos EUA n&#227;o avisa, sozinho, a Receita Federal. Sem a sa&#237;da definitiva, voc&#234; pode continuar como residente fiscal no Brasil e pagar imposto sobre a mesma renda nos dois pa&#237;ses.<\/p><div><div><h3>Duas etapas<\/h3><ul><li>CSDP, a Comunica&#231;&#227;o de Sa&#237;da Definitiva: o aviso de que voc&#234; deixou de ser residente fiscal. O prazo &#233; o &#250;ltimo dia de fevereiro do ano seguinte &#224; sa&#237;da, ou &#224; data em que completou 12 meses seguidos fora do Brasil. O envio &#233; online, pelo <a href=\"https:\/\/www.gov.br\/pt-br\/servicos\/comunicar-saida-definitiva-do-pais\" target=\"_blank\" rel=\"noopener\">servi&#231;o Comunicar Sa&#237;da Definitiva do Pa&#237;s, no gov.br<\/a>.<\/li><li>DSDP, a Declara&#231;&#227;o de Sa&#237;da Definitiva: o acerto do per&#237;odo em que voc&#234; ainda era residente no ano da sa&#237;da. O prazo &#233; o mesmo da declara&#231;&#227;o anual de imposto de renda do ano seguinte (para quem saiu em 2025, foi 29 de maio de 2026).<\/li><\/ul><\/div><\/div><div class=\"pg-note\"><p>Onde fazer<\/p><ul><li><a href=\"https:\/\/www.gov.br\/pt-br\/servicos\/comunicar-saida-definitiva-do-pais\" rel=\"noopener\" target=\"_blank\">Comunicar sa&#237;da definitiva, no gov.br<\/a><\/li><\/ul><\/div><\/div><aside class=\"pg-note\"><p>Profissionais locais nesta etapa<\/p><p><em>Aviso. <\/em>Este guia n&#227;o deve ser usado como aconselhamento jur&#237;dico, cont&#225;bil ou profissional. O Portal Brazil USA recomenda o uso de profissionais especialistas e licenciados para cada etapa do processo. Confira a licen&#231;a e as avalia&#231;&#245;es no Google de todo e qualquer profissional, mesmo que a pessoa esteja no diret&#243;rio do Portal Brazil USA. Procure um especialista antes de decidir sobre sa&#237;da definitiva ou declara&#231;&#227;o em atraso.<\/p><a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" rel=\"noopener\" target=\"_blank\">Encontrar contador no diret&#243;rio<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" target=\"_blank\" rel=\"noopener\">Contadores no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Sa%C3%ADda%20do%20Brasil%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23saida\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"impostos\" class=\"pg-acc\"><details><summary><h2>Imposto americano<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Residente nos EUA declara a renda do mundo inteiro, inclusive do Brasil, e informa contas no exterior (FBAR).<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/www.irs.gov\/\" target=\"_blank\" rel=\"noopener\">IRS<\/a><\/p><\/div><div><p>Green card ou presen&#231;a substancial nos EUA: a renda mundial entra no Form 1040 federal e no imposto da Calif&#243;rnia. Na faixa mais alta, a al&#237;quota estadual chega a 13,3%.<\/p><ul><li>N&#227;o h&#225; tratado de imposto de renda em vigor entre Brasil e EUA. O texto foi negociado e n&#227;o foi ratificado pelo Senado americano. A ferramenta usual contra a bitributa&#231;&#227;o &#233; o Foreign Tax Credit, no Form 1116.<\/li><li>FBAR, o FinCEN Form 114: obrigat&#243;rio se a soma das contas no exterior passou de US$ 10.000 em qualquer dia do ano. Entram conta corrente, poupan&#231;a e corretora. O arquivo &#233; eletr&#244;nico e separado da declara&#231;&#227;o. A omiss&#227;o gera multa pesada.<\/li><li>Form 8938, o relat&#243;rio da FATCA: outro formul&#225;rio, com teto mais alto. Morando nos EUA, o solteiro declara se os bens externos passaram de US$ 50.000 no fim do ano, ou de US$ 75.000 em qualquer momento. No casal, declara&#231;&#227;o conjunta, os tetos s&#227;o US$ 100.000 e US$ 150.000.<\/li><\/ul><div><p>Conta no Brasil entra na conta<\/p><p>Muita gente s&#243; descobre o FBAR e o Form 8938 quando a multa j&#225; chegou. Institui&#231;&#227;o financeira no Brasil pode reportar a conta pelo acordo da FATCA. Entregar um formul&#225;rio n&#227;o dispensa o outro.<\/p><\/div><div class=\"pg-note\"><p>Onde conferir o formul&#225;rio<\/p><ul><li><a href=\"https:\/\/www.fincen.gov\/report-foreign-bank-and-financial-accounts\" rel=\"noopener\" target=\"_blank\">FBAR, no FinCEN<\/a><\/li><li><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-8938\" rel=\"noopener\" target=\"_blank\">Form 8938, no IRS<\/a><\/li><li><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-1116\" rel=\"noopener\" target=\"_blank\">Form 1116, no IRS<\/a><\/li><\/ul><\/div><\/div><aside class=\"pg-note\"><p>Profissionais locais nesta etapa<\/p><p><em>Aviso. <\/em>Este guia n&#227;o deve ser usado como aconselhamento jur&#237;dico, cont&#225;bil ou profissional. O Portal Brazil USA recomenda o uso de profissionais especialistas e licenciados para cada etapa do processo. Confira a licen&#231;a e as avalia&#231;&#245;es no Google de todo e qualquer profissional, mesmo que a pessoa esteja no diret&#243;rio do Portal Brazil USA. Procure um especialista antes de decidir sobre FBAR, Form 8938 ou cr&#233;dito do imposto pago no Brasil.<\/p><a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" rel=\"noopener\" target=\"_blank\">Encontrar contador no diret&#243;rio<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" target=\"_blank\" rel=\"noopener\">Contadores no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Imposto%20americano%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23impostos\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"status\" class=\"pg-acc\"><details><summary><h2>Status e cidadania<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Mantenha o endere&#231;o atualizado no USCIS, renove o green card e veja quando pode pedir a cidadania.<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/www.uscis.gov\/\" target=\"_blank\" rel=\"noopener\">USCIS<\/a><\/p><\/div><div><ul><li>Green card de 10 anos: renove antes do vencimento. O cart&#227;o condicional, de casamento recente, vale 2 anos e segue outro pedido. Mudou de casa: atualize o endere&#231;o no USCIS em at&#233; 10 dias, no formul&#225;rio AR-11.<\/li><li>Cidadania: em geral, depois de 5 anos como residente permanente. S&#227;o 3 anos se voc&#234; &#233; casado com cidad&#227;o americano e cumpre resid&#234;ncia cont&#237;nua e presen&#231;a f&#237;sica. O pedido &#233; o N-400, com biometria, entrevista e teste de ingl&#234;s e civics.<\/li><li>O Brasil admite dupla cidadania. A americana tira a renova&#231;&#227;o do green card e abre voto e alguns benef&#237;cios. N&#227;o pe&#231;a o N-400 no escuro: viagem longa e tempo fora dos EUA mudam a conta.<\/li><\/ul><div class=\"pg-note\"><p>Onde fazer<\/p><ul><li><a href=\"https:\/\/www.uscis.gov\/n-400\" rel=\"noopener\" target=\"_blank\">N-400, no USCIS<\/a><\/li><li><a href=\"https:\/\/www.uscis.gov\/ar-11\" rel=\"noopener\" target=\"_blank\">Mudan&#231;a de endere&#231;o, AR-11<\/a><\/li><\/ul><\/div><\/div><aside class=\"pg-note\"><p>Profissionais locais nesta etapa<\/p><p><em>Aviso. <\/em>Este guia n&#227;o deve ser usado como aconselhamento jur&#237;dico, cont&#225;bil ou profissional. O Portal Brazil USA recomenda o uso de profissionais especialistas e licenciados para cada etapa do processo. Confira a licen&#231;a e as avalia&#231;&#245;es no Google de todo e qualquer profissional, mesmo que a pessoa esteja no diret&#243;rio do Portal Brazil USA. Procure um especialista antes de decidir sobre renova&#231;&#227;o, endere&#231;o ou cidadania.<\/p><a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/advocacia\/\" rel=\"noopener\" target=\"_blank\">Encontrar advogado de imigra&#231;&#227;o no diret&#243;rio<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/advocacia\/\" target=\"_blank\" rel=\"noopener\">Advogados de imigra&#231;&#227;o no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Status%20e%20cidadania%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23status\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"casa\" class=\"pg-acc\"><details><summary><h2>Comprar casa<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Para comprar, junte entrada, cr&#233;dito e renda comprovada. Simule a presta&#231;&#227;o na calculadora antes de procurar.<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"noopener\">Freddie Mac (juros); valores estimados, atualizados a cada 6 meses<\/a><\/p><\/div><div><p>N&#227;o &#233; preciso ser cidad&#227;o americano para comprar ou financiar na Calif&#243;rnia. O status muda o tipo de empr&#233;stimo, a entrada e a taxa. Ter 20% de entrada n&#227;o &#233; regra: alguns programas come&#231;am em 3% ou 3,5%, se o perfil couber.<\/p><div><h3>O status e o empr&#233;stimo<\/h3><div class=\"pg-card\"><table><thead class=\"pg-navy\"><tr><th>Status<\/th><th>Empr&#233;stimo<\/th><th>O que muda<\/th><\/tr><\/thead><tbody><tr><td>Green card<\/td><td>Conventional e FHA<\/td><td>O caminho mais simples. Pedem o cart&#227;o, o Form I-551, e o Social Security.<\/td><\/tr><tr><td>Visto de trabalho<\/td><td>Conventional, se o visto est&#225; v&#225;lido<\/td><td>H-1B ou L-1 seguem se a renda tem perspectiva de continuar. Desde 25 de maio de 2025, o FHA n&#227;o atende caso novo de non-permanent resident.<\/td><\/tr><tr><td>ITIN, sem SSN<\/td><td>S&#243; Non-QM<\/td><td>Entrada de 10% a 25%. A taxa &#233; mais alta e a documenta&#231;&#227;o &#233; mais detalhada. Nem todo banco oferece.<\/td><\/tr><\/tbody><\/table><\/div><\/div><div><h3>Entrada menor que 20%<\/h3><div class=\"pg-card\"><table><thead class=\"pg-navy\"><tr><th>Programa<\/th><th>Entrada ou ajuda<\/th><th>Como funciona<\/th><\/tr><\/thead><tbody><tr><td>Conventional<\/td><td>A partir de 3%<\/td><td>Para quem compra pela primeira vez.<\/td><\/tr><tr><td>FHA<\/td><td>3,5%<\/td><td>Hoje sobretudo para green card. Score a partir de 580.<\/td><\/tr><tr><td>CalHFA MyHome<\/td><td>At&#233; 3,5% no FHA e 3% no conventional<\/td><td>Empr&#233;stimo adiado. Em geral sem parcela mensal. A d&#237;vida &#233; paga na venda ou no refinanciamento.<\/td><\/tr><tr><td>ZIP, da CalHFA<\/td><td>Cerca de 2% a 3%<\/td><td>Ajuda nos custos de fechamento, com juro zero.<\/td><\/tr><tr><td>Dream for All, da CalHFA<\/td><td>At&#233; 20% ou US$ 150.000<\/td><td>O que for menor. Na sa&#237;da, voc&#234; devolve o valor e uma parte da valoriza&#231;&#227;o. &#201; para first-generation homebuyer, com teto de renda e janela de inscri&#231;&#227;o. A rodada de 2026 fechou em 16 de mar&#231;o.<\/td><\/tr><\/tbody><\/table><\/div><\/div><div><h3>Cr&#233;dito e imposto de renda<\/h3><div class=\"pg-card\"><table><thead class=\"pg-navy\"><tr><th>Situa&#231;&#227;o<\/th><th>O que o banco pede<\/th><\/tr><\/thead><tbody><tr><td>FHA<\/td><td>Score a partir de 580, com 3,5% de entrada.<\/td><\/tr><tr><td>Conventional<\/td><td>Em geral score a partir de 620 na maioria dos bancos (desde novembro de 2025 a Fannie Mae n&#227;o exige mais esse m&#237;nimo no sistema autom&#225;tico de aprova&#231;&#227;o dela). O banco pode pedir mais.<\/td><\/tr><tr><td>Sem score<\/td><td>Alguns credores aceitam cr&#233;dito alternativo: aluguel, luz e telefone pagos em dia.<\/td><\/tr><tr><td>Empr&#233;stimo padr&#227;o<\/td><td>Quase sempre 2 anos de declara&#231;&#227;o, sobretudo para aut&#244;nomo.<\/td><\/tr><tr><td>Bank statement (Non-QM)<\/td><td>12 a 24 meses de extrato no lugar da declara&#231;&#227;o. Serve para renda vari&#225;vel e para quem ainda n&#227;o tem dois anos de imposto americano. A taxa costuma ser mais alta.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><aside class=\"pg-note\"><a class=\"pg-cta\" href=\"https:\/\/links.bratt-storck.com\/widget\/booking\/B5OxRAfl0nWzipzyBpML\" rel=\"noopener\" target=\"_blank\">Agende uma consulta gratuita com um especialista<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/imoveis\/\" target=\"_blank\" rel=\"noopener\">Im&#243;veis no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Comprar%20casa%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23casa\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"aposentadoria\" class=\"pg-acc\"><details><summary><h2>Aposentadoria<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Planos 401(k) e IRA reduzem imposto hoje ou no futuro. O tempo de INSS pode contar pelo acordo Brasil&#8211;EUA.<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/www.ssa.gov\/international\/\" target=\"_blank\" rel=\"noopener\">Acordo Brasil&#8211;EUA, Social Security<\/a><\/p><\/div><div><ul><li>Use primeiro o que existe aqui: 401(k), quando a empresa oferece, Traditional IRA e Roth IRA.<\/li><li>O acordo de totaliza&#231;&#227;o Brasil&#8211;EUA vale desde 1&#186; de outubro de 2018. Ele evita pagar INSS e Social Security ao mesmo tempo sobre o mesmo trabalho, e permite somar o tempo dos dois pa&#237;ses quando um deles, sozinho, n&#227;o chega na aposentadoria. Cada pa&#237;s paga a parte do tempo contribu&#237;do nele. Isso n&#227;o substitui o imposto de renda.<\/li><li>Fundo de investimento no Brasil muitas vezes entra como PFIC nos EUA. A regra &#233; cara e dif&#237;cil. Antes de manter ou aportar, fale com um contador que conhe&#231;a os dois lados.<\/li><\/ul><\/div><aside class=\"pg-note\"><p>Profissionais locais nesta etapa<\/p><p>IRA, totaliza&#231;&#227;o e fundo brasileiro no PFIC n&#227;o se resolvem com a calculadora do banco.<\/p><a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" rel=\"noopener\" target=\"_blank\">Encontrar contador no diret&#243;rio<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" target=\"_blank\" rel=\"noopener\">Finan&#231;as no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Aposentadoria%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23aposentadoria\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"patrimonio\" class=\"pg-acc\"><details><summary><h2>Patrim&#244;nio<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Testamento ou trust na Calif&#243;rnia evitam o invent&#225;rio (probate), que &#233; caro e demorado.<\/p><p class=\"pg-src\">Conferido em novembro de 2026 &#183; Fonte: <a href=\"https:\/\/selfhelp.courts.ca.gov\/\" target=\"_blank\" rel=\"noopener\">California Courts<\/a><\/p><\/div><div><p>Com fam&#237;lia, bem ou herdeiro nos dois pa&#237;ses, o papel evita que a decis&#227;o fique para um tribunal. Na Calif&#243;rnia, o conjunto mais usado &#233; este:<\/p><ul><li>Will, o testamento.<\/li><li>Revocable living trust: o caminho comum para ficar fora do probate, o invent&#225;rio judicial da Calif&#243;rnia, que &#233; longo e caro.<\/li><li>Durable power of attorney, a procura&#231;&#227;o para assunto financeiro.<\/li><li>Advance health care directive, a diretiva de cuidado de sa&#250;de.<\/li><\/ul><div><p>Imposto de heran&#231;a<\/p><p>A Calif&#243;rnia n&#227;o cobra imposto estadual de heran&#231;a. O federal pode. A dedu&#231;&#227;o ilimitada entre c&#244;njuges n&#227;o vale, em regra, se o c&#244;njuge que recebe n&#227;o &#233; cidad&#227;o americano, salvo estrutura pr&#243;pria, como o QDOT. Quem tem green card e mora aqui n&#227;o &#233; tratado como quem nunca residiu nos EUA.<\/p><\/div><div><p>Por onde come&#231;ar<\/p><p>Se a sa&#237;da definitiva ainda n&#227;o foi feita, e se o FBAR ou o Form 8938 est&#227;o atrasados, esses dois pontos v&#234;m primeiro. S&#227;o os que mais geram multa. O resto pede uma equipe curta: contador que entenda EUA e Brasil, e advogado de imigra&#231;&#227;o ou de patrim&#244;nio quando o caso chegar l&#225;.<\/p><\/div><\/div><aside class=\"pg-note\"><a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/advocacia\/\" rel=\"noopener\" target=\"_blank\">Encontrar advogado no diret&#243;rio<\/a> <a class=\"pg-cta\" href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/financas\/\" rel=\"noopener\" target=\"_blank\">Encontrar contador no diret&#243;rio<\/a><\/aside><p class=\"pg-help\">Precisa de ajuda com isto? <a href=\"https:\/\/portalbrazilusa.org\/en\/categoria\/advocacia\/\" target=\"_blank\" rel=\"noopener\">Advogados no diret&#243;rio &#8594;<\/a><\/p><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Patrim%C3%B4nio%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23patrimonio\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"checklist\" class=\"pg-acc\"><details><summary><h2>Checklist de quem j&#225; mora aqui<\/h2><\/summary><div class=\"pg-body\"><div class=\"pg-short\"><p><b>Resposta curta.<\/b> Marque o que j&#225; fez. O progresso fica salvo neste navegador e voc&#234; pode baixar o checklist em PDF.<\/p><p class=\"pg-src\">Conferido em novembro de 2026<\/p><\/div><ul class=\"pg-ckl\"><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-1\"> <span>Fiz a CSDP at&#233; o &#250;ltimo dia de fevereiro do ano seguinte &#224; sa&#237;da e a DSDP no prazo da declara&#231;&#227;o do IR<\/span><\/label><\/li><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-2\"> <span>Declarei as contas no exterior no FBAR (FinCEN 114), prazo 15 de abril com extens&#227;o autom&#225;tica at&#233; 15 de outubro<\/span><\/label><\/li><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-3\"> <span>Conferi se preciso do Form 8938 (FATCA) junto com a declara&#231;&#227;o do IRS<\/span><\/label><\/li><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-4\"> <span>Atualizei o endere&#231;o no USCIS (AR-11) em at&#233; 10 dias depois de mudar<\/span><\/label><\/li><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-5\"> <span>Sei quando renovar o green card (I-90): at&#233; 6 meses antes de vencer<\/span><\/label><\/li><li><label class=\"pg-ck\"><input type=\"checkbox\" data-ck=\"ja-6\"> <span>Sei quando posso pedir a cidadania (N-400): at&#233; 90 dias antes de completar 5 anos de green card, ou 3 se casado com cidad&#227;o<\/span><\/label><\/li><\/ul><p class=\"pg-muted\">O progresso fica salvo neste navegador.<\/p><button type=\"button\" class=\"pg-cta gold pg-print\">Baixar checklist (PDF)<\/button><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Checklist%20de%20quem%20j%C3%A1%20mora%20aqui%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23checklist\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section id=\"links\" class=\"pg-acc\"><details><summary><h2>Links oficiais<\/h2><\/summary><div class=\"pg-body\"><p>Taxas, prazos e regras mudam. Confira sempre no site oficial.<\/p><ul class=\"pg-src-list pg-ref\"><li><a href=\"https:\/\/www.uscis.gov\/\" target=\"_blank\" rel=\"noopener\">USCIS<\/a><p>Formul&#225;rios, taxas e o que cada status pede.<\/p><\/li><li><a href=\"https:\/\/www.gov.br\/mre\/pt-br\/consulado-los-angeles\" target=\"_blank\" rel=\"noopener\">Consulado-Geral do Brasil em Los Angeles<\/a><p>Passaporte, procura&#231;&#227;o, registro de nascimento e outros servi&#231;os para brasileiros no sul da Calif&#243;rnia.<\/p><\/li><li><a href=\"https:\/\/www.gov.br\/mre\/pt-br\/consulado-sao-francisco\" target=\"_blank\" rel=\"noopener\">Consulado-Geral do Brasil em S&#227;o Francisco<\/a><p>Mesmos servi&#231;os para quem mora no norte da Calif&#243;rnia.<\/p><\/li><li><a href=\"https:\/\/www.gov.br\/pt-br\/servicos\/comunicar-saida-definitiva-do-pais\" target=\"_blank\" rel=\"noopener\">Comunicar Sa&#237;da Definitiva do Pa&#237;s (gov.br)<\/a><p>CSDP e DSDP na Receita Federal.<\/p><\/li><li><a href=\"https:\/\/www.irs.gov\/\" target=\"_blank\" rel=\"noopener\">IRS<\/a><p>Imposto de renda federal.<\/p><\/li><li><a href=\"https:\/\/www.fincen.gov\/report-foreign-bank-and-financial-accounts\" target=\"_blank\" rel=\"noopener\">FBAR, no FinCEN<\/a><p>Declara&#231;&#227;o de contas no exterior.<\/p><\/li><li><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-8938\" target=\"_blank\" rel=\"noopener\">Form 8938 (FATCA), no IRS<\/a><p>Ativos no exterior junto com a declara&#231;&#227;o.<\/p><\/li><li><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-1116\" target=\"_blank\" rel=\"noopener\">Form 1116, no IRS<\/a><p>Cr&#233;dito do imposto pago no Brasil.<\/p><\/li><li><a href=\"https:\/\/www.uscis.gov\/ar-11\" target=\"_blank\" rel=\"noopener\">Mudan&#231;a de endere&#231;o no USCIS (AR-11)<\/a><p>Avise em at&#233; 10 dias depois de mudar.<\/p><\/li><li><a href=\"https:\/\/www.uscis.gov\/n-400\" target=\"_blank\" rel=\"noopener\">Cidadania, N-400 no USCIS<\/a><p>Pedido de naturaliza&#231;&#227;o.<\/p><\/li><li><a href=\"https:\/\/www.ssa.gov\/international\/\" target=\"_blank\" rel=\"noopener\">Acordos internacionais da Social Security<\/a><p>Acordo Brasil&#8211;EUA de previd&#234;ncia (INSS).<\/p><\/li><li><a href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"noopener\">Juros de hipoteca, Freddie Mac<\/a><p>Taxa m&#233;dia semanal do financiamento de 30 anos.<\/p><\/li><li><a href=\"https:\/\/selfhelp.courts.ca.gov\/\" target=\"_blank\" rel=\"noopener\">California Courts (autoajuda)<\/a><p>Testamento, trust e invent&#225;rio (probate).<\/p><\/li><\/ul><p class=\"pg-share\"><a href=\"https:\/\/wa.me\/?text=Links%20oficiais%20%C2%B7%20Guia%20do%20Imigrante%20%28Portal%20Brazil%20USA%29%3A%20https%3A\/\/portalbrazilusa.org\/guia-do-imigrante\/ja-moro-aqui\/%23links\" target=\"_blank\" rel=\"noopener\">Compartilhar no WhatsApp<\/a><\/p><\/div><\/details><\/section><section class=\"pg-comm\" id=\"comunidade\"><p class=\"pg-kicker\">Comunidade Portal Brazil USA<\/p><h2>Receba avisos de prazos e fale com brasileiros na Calif&#243;rnia<\/h2><p>Entre para a comunidade. &#201; gratuito.<\/p><button type=\"button\" class=\"pg-comm-btn\" aria-haspopup=\"dialog\" aria-controls=\"pg-modal\">Quero entrar na comunidade<\/button><div class=\"pg-modal\" id=\"pg-modal\" hidden><div class=\"pg-modal-box\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"pg-modal-t\" tabindex=\"-1\"><button type=\"button\" class=\"pg-modal-x\" aria-label=\"Fechar\">&#215;<\/button><h2 id=\"pg-modal-t\">Entre para a comunidade<\/h2><div class=\"pg-modal-form\" data-src=\"https:\/\/oi.portalbrazilusa.org\/widget\/form\/PO4OHgSn0KGUWQO057ZM\" data-id=\"PO4OHgSn0KGUWQO057ZM\"><\/div><\/div><\/div><\/section><div class=\"pg-pn\"><a href=\"\/en\/guia-do-imigrante\/primeiros-90-dias\/\"><small>Voltar<\/small>&#8592; Primeiros 90 dias<\/a><a href=\"\/en\/guia-do-imigrante\/empreender\/\" class=\"nx\"><small>Pr&#243;ximo<\/small>Empreender &#8594;<\/a><\/div><footer class=\"pg-foot\"><p>Dados atualizados em novembro de 2026. Custos revisados a cada 6 meses. <a href=\"https:\/\/portalbrazilusa.org\/en\/diretorio\/\">Diret&#243;rio de profissionais<\/a><\/p><details class=\"pg-aviso\"><summary>Aviso: este guia n&#227;o substitui um profissional<\/summary><p>Este guia n&#227;o deve ser usado como aconselhamento jur&#237;dico, cont&#225;bil ou profissional. O Portal Brazil USA recomenda o uso de profissionais especialistas e licenciados para cada etapa do processo. Confira a licen&#231;a e as avalia&#231;&#245;es no Google de todo e qualquer profissional, mesmo que a pessoa esteja no diret&#243;rio do Portal Brazil USA.<\/p><\/details><\/footer><script>(function(s){var t;try{t=new TextDecoder(\"utf-8\").decode(Uint8Array.from(atob(s),function(c){return c.charCodeAt(0)}))}catch(e){t=decodeURIComponent(escape(atob(s)))}new 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