Calculator · reviewed August 7, 2026
Hawaiʻi Home Closing-Cost Calculator
Estimate the down payment, lender and escrow costs, inspections, appraisal, prepaids, and total cash needed at closing.
Comparable facts
Closing cash line comparison
Cash to close is not the same as cash needed to move in safely. Estimate cash—not just the loan.
Down paymentPurchase price × down payment percentage. Not a lender estimate—credits, points, taxes, insurance, escrow practices, and loan programs vary.
Lender costsLoan Estimate showing rate, points, lender fees, and estimated cash to close.
Escrow + titleEscrow or title estimate showing settlement charges.
Inspections + appraisalWritten inspection pricing, including cesspool, septic, catchment, roof, termite, survey, or other specialty work when relevant.
PrepaidsInsurance quotations that match the property and required coverage.
Post-closing reserveKeep repairs, appliances, utility deposits, moving, furnishings, and the first insurance or maintenance surprise outside this estimate.
Estimate cash—not just the loan
Rough cash needed at closing
Before relying on the result
Ask for these documents
- Loan Estimate showing rate, points, lender fees, and estimated cash to close.
- Escrow or title estimate showing settlement charges.
- Insurance quotations that match the property and required coverage.
- Written inspection pricing, including cesspool, septic, catchment, roof, termite, survey, or other specialty work when relevant.
Reality check
Keep a separate post-closing reserve
Cash to close is not the same as cash needed to move in safely. Keep repairs, appliances, utility deposits, moving, furnishings, and the first insurance or maintenance surprise outside this estimate.