Hawaii closing cost calculator

Hawaii buyers pay no conveyance or mortgage tax, but a buyer who won’t live in the home can push the seller into a higher conveyance tax schedule. Owner’s title is commonly shared.

Hawaii’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Hawaii: Conveyance tax: 0.1% to 1%, by price, and the seller usually pays it. Owner’s title is usually paid by the buyer and seller together.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $197,607

2.6%closing costs

Purchase price$875,000
Down payment (20%)$175,000
- Loan amount$700,000
Loan costs+$7,700
- Origination and lender feesest.+$7,000
- Appraisalest.+$700
Title and closing+$3,152
- Lender’s title insuranceest.+$770
- Owner’s title insurance (half)est.+$1,532
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes+$647
- Property taxes the seller prepaidest.+$647
Prepaids and escrow+$10,658
- Homeowner’s insurance, first yearest.+$4,375
- Prepaid interest (27 days)est.+$3,366
- Property tax escrow (3 months)est.+$2,188
- Insurance escrow (2 months)est.+$729
Other costs+$450
- Home inspectionest.+$450
Cash to close$197,607

Estimated monthly payment$5,518

Principal and interest$4,424
Mortgage insurance$0
Property taxes$729
Insurance$365
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Hawaii purchase, worked out

The calculator opens on $875,000, about the median value of an owner-occupied home in Hawaii ($875,900, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $197,607: $175,000 down and $22,607 in closing costs, 2.6% of the price. Hawaii charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $5,518, with property tax and insurance.

Cash to close on $875,000, 20% down
Down payment	$175,000
Origination and lender feesest.	+$7,000
Appraisalest.	+$700
Lender’s title insuranceest.	+$770
Owner’s title insurance (half)est.	+$1,532
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property taxes the seller prepaidest.	+$647
Homeowner’s insurance, first yearest.	+$4,375
Prepaid interest (27 days)est.	+$3,366
Property tax escrow (3 months)est.	+$2,188
Insurance escrow (2 months)est.	+$729
Home inspectionest.	+$450
Cash to close	$197,607

Estimates are tagged “est.”; Hawaii’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Hawaii has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Hawaii’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$8,460	$58,460	$1,597
$500,000	—	$13,835	$113,835	$3,153
$750,000	—	$19,663	$169,663	$4,730
$1,000,000	—	$25,550	$225,550	$6,307
$2,000,000	—	$49,099	$449,099	$12,613

Buying in Hawaii: what to know

No buyer’s taxes

Hawaii has no buyer-paid conveyance or mortgage tax. The buyer’s share of title and escrow costs is set by the contract.

Conveyance tax

Hawaii’s conveyance tax is paid by the seller, and each tier’s rate applies to the entire price: 0.1% under $600,000, 0.2% from $600,000, 0.3% from $1 million, 0.5% from $2 million, 0.7% from $4 million, 0.9% from $6 million and 1% from $10 million. So a $999,000 sale pays $1,998 and a $1,000,000 sale pays $3,000. A condo or single-family home sold to a buyer who isn’t eligible for a county homeowner’s exemption pays a higher schedule, from 0.15% up to 1.25%.

Title insurance

Owner’s title costs are commonly split in Hawaii, often described as 60% seller and 40% buyer for standard coverage, with the buyer paying for any extended coverage. The purchase contract sets the split.

Who runs the closing

Escrow companies close Hawaii sales. An attorney isn’t required.

Property taxes and escrow

Hawaii county taxes run July 1 to June 30, paid in two halves due August 20 and February 20. Each half is paid early in the period it covers, so the seller is often credited for the prepaid remainder at closing.

Local differences

Nonresident sellers may have income tax withheld at closing under HARPTA. It is a prepayment of Hawaii income tax, not an added cost. A 2026 bill to move the conveyance tax to marginal rates did not pass and may return in 2027.

Buying in Hawaii: questions

Does the buyer pay transfer tax in Hawaii?

No. The seller pays Hawaii’s conveyance tax, and Hawaii has no mortgage tax.

Who pays for title insurance in Hawaii?

It is commonly split, often 60% seller and 40% buyer for standard owner’s coverage, with the buyer paying for any extended coverage. Your contract decides.

When are property taxes due in Hawaii?

Hawaii counties bill the July-to-June year in halves due August 20 and February 20. Because they are paid early in each period, buyers often reimburse the seller at closing for prepaid months.

How much are closing costs in Hawaii?

On a $875,000 home with 20% down on a conventional loan, the calculator’s estimates put a Hawaii buyer’s closing costs at about $22,607, or 2.6% of the price, and cash to close at $197,607. Hawaii charges the buyer no state transfer or mortgage tax. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

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