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Marco In Kona/Home Sale Calculator

Seller Tools

Home Sale
Calculator

When you sell, what do you actually keep? Enter your price and the terms of your sale to estimate net proceeds after mortgage payoff, commission, Hawaii conveyance tax, and closing costs.

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The contract price, not the county assessed value.
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Remaining balance on every loan and line of credit secured by the property. Ask your lender for a payoff quote through your expected closing date, since interest accrues until the loan is paid.
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Pre-listing work, staging, and anything you agree to fix after inspection.
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Commission is negotiable and always has been. What a Seller pays, and whether any of it goes toward the Buyer’s agent, is set in your listing agreement.
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Hawaii’s transfer tax. The rate steps up with price and is customarily paid by the Seller. This fills in automatically from the price; type over it if your escrow figure differs.
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Defaults to a rough 0.35% of price for the Seller’s share of escrow, title insurance, and recording. Your escrow officer will give you real numbers.
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Association transfer fees, survey, termite work, prorated taxes and dues, and any closing credit you agree to give the Buyer.
Non-resident Sellers are generally subject to HARPTA withholding at closing. It is a withholding against your Hawaii tax, not a cost of sale, and any excess is refunded after you file. Selecting non-resident shows the amount held back so you can see cash at closing separately from net proceeds.
Estimated net proceeds
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  • Home sale price$0
  • Mortgage payoff$0
  • Commission$0
  • Conveyance tax$0
  • Escrow, title & recording$0
  • Repairs & staging$0
  • Other costs & credits$0
  • Estimated net proceeds$0
Total costs to sell
$0
Net as % of price
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Ask Marco What Your Home Is Worth

An estimate for planning, not a net sheet. Your escrow officer produces the binding figures at closing, and your CPA should weigh in on tax. Commission is negotiable and set by your listing agreement.

What This Assumes

Reading the Numbers

Conveyance tax steps up with price

Hawaii charges a transfer tax on the full sale price, at a rate that rises in brackets as the price climbs. The rate is lower when the Buyer qualifies for a county homeowner exemption, which most second-home and investment Buyers in Kona do not. The Seller customarily pays it.

Commission is negotiable

There is no standard rate. The calculator opens at 5% only because it is a common starting point in this market. What you actually pay, and how it is split, is whatever you and your agent put in writing.

Withholding is not a cost

If you are not a Hawaii resident, HARPTA withholding is taken at closing and credited against your Hawaii tax. It lowers your cash at closing, not your net proceeds. Overwithheld amounts come back once you file.

Questions

Selling in Kona

It estimates what you keep after the sale. Starting from your contract price, it subtracts your mortgage payoff, commission, Hawaii conveyance tax, escrow and title fees, any repair or staging spend, and any credits you give the Buyer. What remains is your estimated net proceeds. It is a planning tool, not a closing statement.
By custom in Hawaiʻi, the Seller pays the conveyance tax, though like most closing items it is negotiable in the purchase contract. The tax applies to the full sale price at a rate that steps up in brackets as the price rises, and the rate is lower when the Buyer qualifies for a county homeowner exemption. Confirm the exact figure with your escrow officer.
HARPTA is Hawaiʻi’s withholding on sales by non-resident Sellers. Escrow holds back a percentage of the gross sale price at closing and remits it to the State as a credit against your Hawaiʻi tax. It reduces your cash at closing rather than your true net, and anything withheld beyond what you owe is refunded after you file. Sellers can also apply for a reduced withholding in some situations. Talk to your CPA before closing.
No. Commission is negotiable and always has been. The calculator opens at 5% because it is a common starting point in the Kona market, not because it is a rule. What a Seller pays, and whether any portion goes to the Buyer’s agent, is set in the listing agreement.
Because selling costs money. Commission is usually the largest line, followed by conveyance tax on higher-priced Kona properties, then escrow, title, recording, association transfer fees, prorated taxes and dues, and often a repair credit negotiated after inspection. On a $1.5 million sale those items commonly run into six figures combined.
Contact Marco A. Silva at 808.557.8921 or Marco@KonaLuxuryRealEstate.com. Marco will prepare a valuation for your property and a detailed net sheet showing what a sale at that price would actually put in your pocket.

Next Step

Find Out What
Your Home Is Worth

A calculator needs a price to work from. Marco will give you a real one, based on what has actually sold near you and what is competing with you right now.

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Buying as Well as Selling

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