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$225,000
MAKAHA · Waianae · 96792 · MLS 202616869
Experience the ultimate beachfront lifestyle with this exceptionally-priced 4th floor studio in Makaha Shores. Situated directly on Makaha Beach, you have unobstructed ocean, coastline, and mountain views, and are steps away from the surf and sandy shoreline. Being the lowest-priced studio to hit the market in over a year, this is a rare opportunity for anyone who dreams of living on the beach without the usual beachfront price.
Wake up to the sounds of the waves and end your days on your private lanai enjoying the epic sunset views. With amenities including a swimming pool and BBQ area, and close to all Makaha has to offer including surfing, diving, snorkeling, fishing, hiking + more, this is the perfect weekend getaway or full-time beach retreat.
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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.
Assumes the same fixed rate and extra payment every month from the first payment. Taxes, insurance and fees are separate.
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 Compass
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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