Seller Net Sheet · O‘ahu
What you would take home
Adjust the sale price, your loan payoff, and the brokerage compensation to see your estimated proceeds at closing. Every line is itemized below.
Sale price—
$
Mortgage payoff
$
Use the payoff figure from your lender, not the balance on your statement. A payoff includes interest through the closing date.
Second loan / HELOC / other liensIf any
$
Listing brokerage compensation—
2.0%2.5%3.0%3.5%4.0%4.5%
Listing brokerage + Hawai‘i GET (4.712%)—
Buyer's agent compensation—
2.0%2.25%2.5%2.75%3.0%
About the sale
Fine-tune the estimates
Termite inspectionTypically $700–$900
$
SurveyIf required
$
Termite tentingIf required
$
Deed preparationAttorney fee, est.
$
Association resale documentsIf in an association; confirm with the managing agent
$
Credit to buyerClosing-cost credit, if negotiated
$
Prorations & otherTaxes / dues owed through closing, repairs
$
Estimated net proceeds
—
—
Your netLoan payoffCommissionsTaxes, title & escrowOther costs
Important: This is an estimate to help you plan, not a guarantee of proceeds. Your final figures will appear on escrow's settlement statement and depend on the actual contract terms, your lender's payoff, and prorations on the closing date.
How the figures are calculated. Hawai‘i conveyance tax uses the state rate schedule (HRS §247-2, Hawai‘i Department of Taxation Form P-64A instructions). The rate for the price bracket applies to the entire price, with a lower rate when the buyer qualifies for a homeowner's exemption. Commissions include Hawai‘i general excise tax at O‘ahu's maximum pass-on rate of 4.712%. Escrow fees and title insurance premiums use Title Guaranty's published residential schedule, effective January 2026. The seller pays 50% of the escrow fee (plus GET) and 60% of the standard owner's title policy, the customary O‘ahu split under the Hawai‘i purchase contract. Other escrow companies' rates differ slightly. Seller-side recording is estimated at the Regular System release fee. HARPTA withholding is 7.25% of the sale price for non-resident sellers; it is a prepayment of Hawai‘i income tax, not a closing cost. FIRPTA may also apply to foreign sellers.
Prepared by Jack O'Connor, RS-82955, Real Broker · RealHNL. Rates verified October 2026.
How the figures are calculated. Hawai‘i conveyance tax uses the state rate schedule (HRS §247-2, Hawai‘i Department of Taxation Form P-64A instructions). The rate for the price bracket applies to the entire price, with a lower rate when the buyer qualifies for a homeowner's exemption. Commissions include Hawai‘i general excise tax at O‘ahu's maximum pass-on rate of 4.712%. Escrow fees and title insurance premiums use Title Guaranty's published residential schedule, effective January 2026. The seller pays 50% of the escrow fee (plus GET) and 60% of the standard owner's title policy, the customary O‘ahu split under the Hawai‘i purchase contract. Other escrow companies' rates differ slightly. Seller-side recording is estimated at the Regular System release fee. HARPTA withholding is 7.25% of the sale price for non-resident sellers; it is a prepayment of Hawai‘i income tax, not a closing cost. FIRPTA may also apply to foreign sellers.
Prepared by Jack O'Connor, RS-82955, Real Broker · RealHNL. Rates verified October 2026.