Know what you may need at closing.
Build a practical Oʻahu estimate from the purchase price, down payment, lender and escrow costs, prepaids, condo charges, representation and negotiated credits.
Your working numbers
Build the estimate
$180,000 down · $720,000 loan
Credits reduce the amount you bring to closing. Use only amounts already discussed.
Review the assumptionsReplace these defaults with your lender, escrow or agreement figures.
Current estimate: $13,500
Percentage of the loan amount: $0
Current estimate: $6,750
Document, move-in, transfer or setup charges—not the monthly fee.
Use the amount in your written agreement: $0
Planning assumptions reviewed August 23, 2026.
What this number can—and cannot—tell you
This is a working budget before a property, contract and lender have fixed every line item. It separates the funds used to buy the home from the costs of financing and transferring it, so you can see where the money goes instead of relying on one unexplained percentage.
Use the final documents when you have them
For a financed purchase, replace these assumptions with the lender’s Loan Estimate and later the Closing Disclosure. For cash, use the settlement statement from escrow. Prepaid interest, insurance, taxes, prorations and negotiated allocations can move until closing.
Sources: CFPB Closing Disclosure guide and Hawaiʻi Housing Finance and Development Corporation buyer guidance.