Have you ever wondered what are closing costs, and how much are they?  Well here is a good article that explains some of them, tells you what to look for, and how to make sure you keep them in line.  The fees for Hawaii, however, are typically higher than on the mainland.  An appraisal in Hawaii will cost you around $500-$600 for a residential property, not in the Jumbo Loan category.  I have seen processing, doc prep, and underwriting fees as high as $500-$600 as well.  So when you speak with a lender and you get a “Good Faith Estimate“, don’t just look at what your mortgage payment will be, but keep an eye on the Closing Costs.