When Do You Close on a New Construction Home in Hawaii?


Building a new home in Hawaii is an exciting journey, filled with anticipation and dreams of a paradise lifestyle. One of the most critical stages for Hawaii home builders of this journey is the closing process, which marks the transition from construction to homeownership. But when exactly do you close on a new construction home in Hawaii? This article aims to answer this question and provide a comprehensive understanding of the closing process.

Understanding the Closing Process

The closing process, also known as settlement, is the final step in a real estate transaction. It involves the transfer of property from the seller (in this case, the builder) to the buyer. The process typically includes finalizing the mortgage agreement, signing legal documents, paying closing costs, and eventually, receiving the keys to your new home.

In the context of new construction, the closing process can be somewhat different from that of a resale home. The timeline is often longer and more flexible, as it is tied to the completion of construction.

The Role of Countertops Installation in the Closing Process

In many new construction projects, the installation of countertops is a significant milestone. It often signals the nearing completion of the interior work and the start of the final phase of construction.

In Hawaii, as in many other places, the closing process typically begins 45-60 days after the countertops are installed. This timeline can vary depending on the size of your home and the specific community regulations. It’s important to maintain regular communication with your builder to stay updated on these milestones and the projected closing date.

Potential Delays in the Closing Process

While everyone hopes for a smooth construction and closing process, delays can occur. Inclement weather, supply chain disruptions, or unexpected construction challenges can push back the completion date of your new home.

In Hawaii, weather can be a significant factor, with the potential for heavy rains or even hurricanes. If a delay occurs, it’s essential to stay in close contact with your builder and lender. They can provide updates and help you navigate any necessary adjustments to your closing timeline or mortgage agreement.

Financial Aspects of the Closing Process

The financial aspect of closing on a new construction home involves finalizing your mortgage and paying closing costs, which include fees for services performed during the buying process.

In Hawaii, the down payment for your new home, along with closing costs, is typically due at closing. The amount you’ve paid as a home builder deposit will be applied towards the down payment. It’s crucial to plan for these costs and ensure you have the funds available when the closing date arrives.


Closing on a new construction home in Hawaii is a significant step in your journey to homeownership. By understanding the process, timeline, potential delays, and financial aspects, you can navigate this stage with confidence. Remember, communication with your builder and lender is key to a successful closing process.


Finally, it’s worth addressing some common questions related to the closing process for a new construction home in Hawaii:

What happens if construction is delayed?

If construction is delayed, your builder and lender will work with you to adjust the closing date and any related mortgage details.

Can I move in as soon as the home is closed?

Yes, once the closing process is complete, you can move into your new home.

What are typical closing costs for a new construction home in Hawaii?

Closing costs can vary, but they typically range from 2% to 5% of the home’s purchase price.

By understanding the closing process, you’ll be one step closer to enjoying your new home in the beautiful state of Hawaii.

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