RealHNL

Your Oʻahu home, by the numbers

Estimate your monthly payment and the cash you'll bring to closing, using Honolulu's current property tax rates and the way closing costs are customarily split on Oʻahu.

Jack O'Connor REALTOR® · RS-82955 · Real Broker, LLC
808.388.8167 · jack.oconnor@realhnl.com

The home Step 1

Purchase price $ Property type Monthly HOA / maint. fee $ Leasehold? Add monthly lease rent here.

The loan Step 2

Down payment % Interest rate % Use your lender's quote Loan term Discount points %

Taxes & insurance Step 3

This will be my primary residenceLets you claim Honolulu's home exemption and the lowest tax rate. The oldest owner is 65 or olderRaises the home exemption from $120,000 to $160,000.

Homeowners insurance / yr $ Estimate · get a real quote Flood insurance / yr $ Required in FEMA flood zones

Closing Step 4

Expected closing month Seller credit $ Lender fees $ Origination, appraisal, credit, flood cert Buyer-paid agent fee $ Usually $0 — paid by the seller

Estimated monthly payment

$0/ month

Estimated cash to close

Your earnest money deposit counts toward this.

How these numbers are built

Property tax uses Honolulu's FY 2026–27 rates (July 1, 2026 – June 30, 2027): $3.50 per $1,000 for a primary residence after the home exemption. A home valued at $1M or more without a home exemption is taxed as Residential A: $4.00 per $1,000 on the first $1M and $11.40 above. Assessed value is assumed to equal the purchase price.
Who pays what follows Section F-6 of the Hawaiʻi purchase contract: the escrow fee is split 50/50, the buyer pays 40% of standard title insurance (the seller pays 60%), and the seller pays the State conveyance tax. Agent commissions are customarily paid by the seller.
Escrow and title amounts are estimates and include Oʻahu's 4.712% general excise tax. Your escrow company will issue exact figures.
Property tax proration. Honolulu bills in two halves (due Aug 20 and Feb 20). At closing you typically reimburse the seller for the rest of the half-year they've already paid.
VA funding fee uses the current VA chart (2.15% first use with under 5% down, 1.50% at 5%, 1.25% at 10%; 3.30% on later use with under 5% down) and is financed into the loan.
Mortgage insurance on conventional loans with under 20% down is an estimate; your actual rate depends on credit score.
Conforming loan limit for Honolulu County in 2026 is $1,249,125. Conventional loans above that are jumbo loans with their own rules.

Jack O'Connor · RealHNL

REALTOR® RS-82955 · Real Broker, LLC · 808.388.8167 · jack.oconnor@realhnl.com

For planning only. This is not a loan offer, Loan Estimate, or tax advice. Rates, fees, and taxes change; confirm figures with your lender and escrow officer.

Your next step

This is your estimate. Let's make it exact.

A calculator can only get you close. Your real rate, fees, and cash to close depend on your credit, your loan type, and the specific property. I'll introduce you to the Oʻahu lenders my clients actually close with, matched to your situation, so you know your true numbers before you fall in love with a home.

Lenders who know OʻahuCondos, leasehold, VA, and jumbo loans are routine for them, not surprises.
Proven to close on timeI've watched them deliver for my own clients.
A quote built around youYour actual rate, payment, and cash to close. Free, no obligation.