How much are closing costs in Hawaii?
A buyer in Hawaii pays about $11,830 in closing costs on a $900,000 home. That is 1.3% of the price, plus about $8,850 of prepaids. A seller pays about $4,841 (0.5%) before commission, or $49,841 with a 5% commission.
Below is each buyer and seller cost in Hawaii, line by line, and who pays it by custom. Rates checked 2026-09-29.
Free Hawaii seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$45,000 |
| First mortgage payoff | −$540,000 |
| Conveyance tax (buyer qualifies for homeowner exemption) | −$1,800 |
| Release / satisfaction recording | −$41 |
| Title insurance and settlement | −$2,950 |
| Other closing fees | −$50 |
| Estimated net to seller | $310,159 |
Who pays closing costs in Hawaii?
Each side pays its own costs. Owner's policy customarily split 60% seller / 40% buyer. In Hawaii, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. An escrow company usually runs the closing. The table shows a $900,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Conveyance tax (buyer qualifies for homeowner exemption) | Seller | $1,800 | – |
| Owner's title insurance policy | Split | $1,550 | $1,550 |
| Lender's title insurance policy | Buyer | – | $538 |
| Lender-required endorsements | Buyer | – | $150 |
| Escrow fee | Split | $600 | $600 |
| Survey | Seller | $800 | – |
| Deed recording fee | Buyer | – | $41 |
| Release / satisfaction recording | Seller | $41 | – |
| Mortgage recording fee | Buyer | – | $41 |
| Wire / courier / payoff processing | Seller | $50 | – |
| Loan origination (1%) | Buyer | – | $7,200 |
| Appraisal | Buyer | – | $550 |
| Credit report | Buyer | – | $60 |
| Underwriting / processing | Buyer | – | $995 |
| Flood certification | Buyer | – | $25 |
| Tax service fee | Buyer | – | $80 |
How much do buyers pay at closing in Hawaii?
A Hawaii buyer pays about $11,830 in closing costs on a $900,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $8,850. The seller's property tax credit takes off $7. With the $180,000 down payment, cash to close is about $200,672. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Hawaii?
A Hawaii seller pays about $4,841 before commission on a $900,000 sale. The costs are: conveyance tax (buyer qualifies for homeowner exemption), owner's title insurance policy, escrow fee, survey, release / satisfaction recording. With a 5% commission, the total is about $49,841. The loan payoff and the property tax proration also come out of the proceeds.
How do Hawaii closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $12,800. A seller pays about $6,179 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $5,403 | $2,272 | $250 |
| $500,000 | $7,952 | $2,991 | $500 |
| $900,000 typical home | $11,830 | $4,841 | $1,800 |
| $1,000,000 | $12,800 | $6,179 | $3,000 |
Do closing costs in Hawaii change by county?
No. Closing costs are the same in all 5 Hawaii counties on a $900,000 sale. The buyer pays $11,830 and the seller $4,841 before commission. No county or city adds its own transfer tax or changes who pays for title.
Are closing costs high in Hawaii?
No. Hawaii is on the low side. It ranks 4 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 1.9% of the typical home value. See closing costs in every state.
Hawaii closing cost questions
How much are closing costs in Hawaii?
A buyer in Hawaii pays about $11,830 in closing costs on a $900,000 home. That is 1.3% of the price, plus about $8,850 of prepaids. A seller pays about $4,841 (0.5%) before commission, or $49,841 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Hawaii?
Each side pays its own. Owner's policy customarily split 60% seller / 40% buyer. The buyer pays the lender's fees, the lender's title policy and most recording fees. Transfer tax: Conveyance tax (buyer qualifies for homeowner exemption), paid by the seller. The contract can change any of this.
How much are closing costs for a buyer in Hawaii?
About $11,830 on a $900,000 home with 20% down. That is 1.3% of the price. Prepaid interest, insurance and escrow add about $8,850. The seller's property tax credit takes off $7. With the $180,000 down payment, cash to close is about $200,672.
How much are seller closing costs in Hawaii?
About $4,841 on a $900,000 sale before commission (0.5%). With a 5% commission, the total is about $49,841. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Hawaii have a transfer tax?
Yes. On a $900,000 home, the transfer tax is about $1,800 at statewide rates. Some counties and cities differ. The Hawaii transfer tax calculator lists every rate.
Is there a free closing cost calculator for Hawaii?
Yes. The calculator on this page uses Hawaii rates and local customs, for a seller or a buyer. The full NetSheet.org calculator adds prorations, credits and a PDF. Both are free.
Run Hawaii closing costs for a real address.
Free to use. No account needed to try it.