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$169,000
Mākaha Valley Towers building guide
MAKAHA · Waianae · 96792 · MLS 202614743
Discover an excellent opportunity to own at Makaha Valley Towers! Welcome to Unit 635, where affordability meets the beauty of Hawaii. Freshly cleaned and ready for immediate occupancy, this desirable one-bedroom residence offers the perfect opportunity to move right in while adding your own personal touches over time. Situated on a lower floor, yet still enjoying breathtaking mountain, valley, and unobstructed coastline views, this sought-after odd-numbered unit is conveniently located next to the elevator, laundry facilities, and trash chute for effortless condo living. Enjoy the peaceful, resort-like setting in a private valley location on the bus line, just minutes from world-famous Makaha Beach, Makaha Golf Course, hiking trails, restaurants, and everything the beautiful West Side has to offer. Whether you're searching for a full-time residence, weekend retreat, or investment opportunity, you'll appreciate the incredible value. Maintenance fees cover nearly all your monthly housing expenses, including electricity, central AC, hot water, water, sewer, cable TV, internet, and 24-hour gated security, making ownership both convenient and affordable.
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Mortgage News Daily ↗ · Sep 4, 2026 · checking for updates
National index, adjusted for points; not an APR, zero-point quote, or Hawaiʻi lender offer.
Low-down-payment programs have eligibility requirements. High-balance and jumbo pricing may differ from the national conforming benchmark.
Use two quotes from the same lender: without points and with points. Points do not buy a fixed rate reduction. This models a permanent buydown, not a temporary 2-1 subsidy.
$0 estimated interest saved · 0 months sooner
Payoff in 30 years, 0 months.
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Closing costs and prepaids start at 0 and must be entered for a fuller cash estimate. Subtotal is before earnest-money deposits and approved credits.
Estimated monthly payment · year one
Conventional · 30 years · 6.89% interest
Includes down payment, cash-paid upfront fees, points and entered closing costs/prepaids. Before deposits and credits; not final cash to close.
Oʻahu Home Search and The Ulu Team do not provide a Loan Estimate, rate lock, credit decision, or guarantee of payment through this tool. Rates are national benchmarks or your inputs, not APRs or personalized quotes. Actual rates, points, loan limits, fees and eligibility depend on your lender, credit, income, occupancy, entitlement, property and appraisal.
Models fixed-rate purchase financing for a one-unit home. FHA rules shown are standard forward-loan rules, not Hawaiian Home Lands or other special programs. VA/FHA selection does not establish eligibility. Taxes, insurance, HOA fees, ground rent and assessments may change; omitted or zero costs are excluded. FHA MIP is a year-one estimate and can change; conventional PMI cancellation is subject to lender and servicing rules. Upfront cash is a subtotal, not a closing disclosure. Verify all terms, costs, coverage and credits with a licensed lender, insurer and escrow professional before making a financial decision.
Loan rules: VA · HUD / FHA · CFPB points guide
Listed by Foster Realty, Inc.
Information is from the Honolulu MLS and sources deemed reliable but is not guaranteed. Square footage, lot size, taxes, permits, and land tenure should be independently verified. Not a solicitation of property already listed.
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