Closing costs in Hawaii follow local customs that differ from the mainland. This guide covers who customarily pays each cost on Maui, current Hawaii conveyance tax rates, the HARPTA and FIRPTA withholding that catches many off-island sellers by surprise, and sample figures so you can estimate your net. Every cost is negotiable in the purchase contract.
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The State of Hawaii charges a conveyance tax when real property is transferred, and on Maui the seller customarily pays it. The rate depends on the sale price and on whether the buyer will be eligible for a county home exemption (owner-occupant). Rates are per $100 of the sale price.
| Sale price | Buyer eligible for home exemption | Buyer not eligible (investor, second home) |
|---|---|---|
| Under $600,000 | $0.10 | $0.15 |
| $600,000 to under $1 million | $0.20 | $0.25 |
| $1 million to under $2 million | $0.30 | $0.40 |
| $2 million to under $4 million | $0.50 | $0.60 |
| $4 million to under $6 million | $0.70 | $0.85 |
| $6 million to under $10 million | $0.90 | $1.10 |
| $10 million and over | $1.00 | $1.25 |
Example: a $900,000 condo sold to an investor is taxed at $0.25 per $100, or $2,250. Bills to raise the top rates were proposed in the 2026 legislative session but did not pass. See our Hawaii conveyance tax page and conveyance tax FAQ for exemptions, and confirm current rates with the Hawaii Department of Taxation.
Plan for withholding early, especially if you need your proceeds for a purchase or a 1031 exchange. See HARPTA and FIRPTA withholding and 1031 exchanges.
Escrow and title rates vary by company. As one reference point, Title Guaranty of Hawaii's published August 2026 rates show these totals before the 50/50 and 60/40 splits and before general excise tax:
| Sale price | Total escrow fee | Standard owner's title policy |
|---|---|---|
| $500,000 | $2,250 | $2,168 |
| $1,000,000 | $3,031 | $3,745 |
| $2,000,000 | $4,413 | $5,773 |
On a $1 million sale, a seller's share would be roughly $1,516 of the escrow fee and $2,247 of the title premium, plus GET. Learn more in the escrow process and our title insurance guide.
Buyers pay their share of escrow and title, recording fees, lender fees and prepaid items such as insurance, property tax and HOA dues. Cash buyers typically pay well under 1% of the price; financed buyers pay more depending on the loan.
We will estimate your closing costs, conveyance tax and withholding so you know your bottom line before you list.
Call or text (808) 217-8832 or request a free valuation.
Related: Seller resources | Buyer resources | Selling a Minatoya list condo | Maui property tax rates
Updated October 2026. Sources: Hawaii Department of Taxation (HARPTA Tax Facts 2010-1), Title Guaranty of Hawaii escrow and title rate schedule (August 2026), National Association of Realtors. This is general information, not tax or legal advice; consult your CPA and escrow officer.
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Listing courtesy of Hawaii Life (W).
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Listing courtesy of Coldwell Banker Island Prop-Ku.
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Listing courtesy of Coldwell Banker Island Prop(S).
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Listing courtesy of Keller Williams Realty Maui-Ka.
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Listing courtesy of Coldwell Banker Island Prop(Ka).
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Listing courtesy of Living Maui Real Estate LLC.
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Listing courtesy of Living Maui Real Estate LLC.