Mortgage Calculator

The true monthly cost of an Oahu home — P&I plus property tax, insurance, and HOA.

Free Tool

Principal & interest plus Honolulu property tax, insurance, and HOA — the real number, not just P&I.

Home price$800,000

Down payment20% · $160,000

Interest rate6.5%

Occupancy

Honolulu owner rate 0.35% with a $120K home exemption.

Home insurance ($/yr)

HOA / maintenance ($/mo)

Condo? Use the building's monthly fee.

Principal & interest$0

Property tax$0

Home insurance$0

HOA / maintenance$0

Est. monthly

Loan $640,000 · Down $160,000

Estimates only. Property tax uses current Honolulu rates; your actual assessed value, exemptions, and insurance will vary.

Ready to make your move?

Numbers are a start. Let's talk strategy.