Soldier to Soldier Hawaii

Understanding Title Examination Fees in Hawaii

Understanding Title Examination Fees in Hawaii: An Overview

Whether you’re a first-time homebuyer or a seasoned real estate investor, understanding the costs associated with purchasing property is crucial. One such cost that often flies under the radar is the title examination fee. In this blog post, we’ll take a closer look at the average title examination fees in Hawaii, what they entail, and why they are essential.

What is a Title Examination?

A title examination is a thorough review of the historical records relating to a property, including deeds, court records, property and name indexes, and many other documents. This examination helps to verify the seller’s right to transfer ownership and to discover any potential issues with the property’s title, such as liens, encumbrances, or ownership disputes.

In Hawaii, title examinations are conducted by a title company, attorney, or other qualified party. They aim to ensure that you’re getting a “clean title,” essentially meaning that you’ll own your new home outright, with no legal claims against it.

What is the Average Title Examination Fee in Hawaii?

The cost of a title examination can vary based on several factors, including the complexity of the search, the property’s location, and the company or individual performing the examination. In Hawaii, you can generally expect to pay between $200 and $600 for a title examination, but it can go up if the title search reveals significant issues that require additional legal work.

While this might seem like a considerable amount, it’s a necessary expense to avoid potential issues down the line. For instance, if an unpaid lien is discovered after you’ve purchased the property, you could be held financially responsible – a cost that could easily dwarf the initial title examination fee.

Why is a Title Examination Important?

A title examination is essential for several reasons:

  1. Discovering Potential Issues: The primary purpose of a title examination is to uncover any problems with the title, such as unpaid taxes, unsatisfied mortgages, judgments against the property, or restrictions limiting the use of the land.
  2. Securing Title Insurance: The title examination is a prerequisite for obtaining title insurance, which protects you and your lender from future property ownership claims, unexpected liens, and other hidden issues in the title.
  3. Ensuring a Smooth Transaction: By identifying and addressing any title issues before the sale, the title examination helps to ensure that the real estate transaction proceeds smoothly and without any legal hiccups.

How to Get a Title Examination in Hawaii

Title examinations in Hawaii are typically arranged by your escrow or closing agent once you’re under contract to purchase a property. They will select a reputable title company, such as First American Title or Title Guaranty Hawaii, to perform the title examination and issue title insurance.

However, you should always feel free to ask your real estate agent or closing agent any questions about this process or to clarify any charges you don’t understand.


While a title examination might seem like just another line item in the long list of closing costs, it’s a crucial step in the home-buying process. By verifying the property’s legal status and uncovering any potential title issues, it helps protect your investment and provides peace of mind as you move toward homeownership.

For more information about title examinations and closing costs in Hawaii, consider consulting with a local real estate attorney or reaching out to a reputable title company. Remember, understanding each expense is key to navigating the financial aspects of buying a home

Celester Thomas

Company Blog – Soldier to Soldier Hawaii Realty

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