Closing Cost Calculator for Hawaii

Closing Costs in Hawaii

Buyers in Hawaii typically pay around $7,400 in total closing costs. Hawaii charges a conveyance tax ranging from 0.1% to 1.25% of sale price based on value thresholds. Properties over $10M face the highest rates. Title insurance and escrow fees are also elevated.

What's Included in Hawaii Closing Costs?

• Transfer & recording taxes: Hawaii charges a conveyance tax ranging from 0.1% to 1.25% of sale price based on value thresholds. Properties over $10M face the highest rates. Title insurance and escrow fees are also elevated.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Hawaii transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Hawaii typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $830,000 in Hawaii, a 10% down payment buyer would borrow around $747,000. The conforming loan limit is $1,089,300 — Hawaii qualifies for the maximum high-cost conforming limit of $1,089,300 statewide — the same as Alaska.

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