Closing costs in Hawaii
On a $500,000 home with 20% down, buyers in Hawaii typically pay about $7,021 to $17,275 at closing, including prepaid taxes and insurance.
Typical buyer total1.4%–3.5%Of the price, 20% down
Closings handled byA title or settlement companyCustomary in the state
Buyer-paid taxesNoneTransfer taxes are seller-paid or not charged
Buyer-paid taxes
| Tax | On $500,000 with 20% down | Note |
|---|---|---|
| None for buyers | $0 | Hawaii’s conveyance tax is paid by the seller; it rises with the price and is higher for homes the buyer won’t live in. |
Estimated closing costs by price
| Price | Loan | Closing costs | Share of price |
|---|---|---|---|
| $300,000 | Conventional, 20% down | $5,753 – $13,445 | 1.9%–4.5% |
| $300,000 | FHA, 3.5% down | $6,027 – $14,208 | 2.0%–4.7% |
| $500,000 | Conventional, 20% down | $7,021 – $17,275 | 1.4%–3.5% |
| $500,000 | FHA, 3.5% down | $7,478 – $18,547 | 1.5%–3.7% |
| $750,000 | Conventional, 20% down | $8,606 – $22,063 | 1.1%–2.9% |
| $750,000 | FHA, 3.5% down | $9,292 – $23,970 | 1.2%–3.2% |
Who pays what in Hawaii
Hawaii’s conveyance tax is paid by the seller; it rises with the price and is higher for homes the buyer won’t live in.
Questions
How much are closing costs for buyers in Hawaii?
Often about 1.4% to 3.5% of the price with 20% down, including prepaid taxes and insurance.
Do buyers pay transfer tax in Hawaii?
No. Hawaii’s conveyance tax is paid by the seller; it rises with the price and is higher for homes the buyer won’t live in.
More for Hawaii
Sources: Hawaii Revised Statutes §247-2. Fees are typical ranges, not quotes; your Loan Estimate lists the actual costs.