Colorado closing cost calculator

Our Colorado starting figure is $529,013, the September 2026 reading in the Zillow Home Value Index. We rounded it to $529,000, put down $105,800, which is 20%, and borrowed $423,200.

What you pay at closing includes prepaid interest for 15 days. Your down payment plus these expenses make up the cash to close, which comes to $115,557 in this example.

If another party later claims a legal right over the property, an owner's title policy protects you. In Colorado, title companies set their own pricing and file it with the Division of Insurance. When you ask a few title companies for quotes before you close, that can help you save. You can compare quotes because each company must publish its newest filed rates and fees. Usually, title insurance and closing fees come to about $1,000 to $2,000; the company and the property or loan value set the total. The parties negotiate who will pay for the owner's policy.

These numbers depend on home prices a great deal. In Colorado, the typical value in the lower-priced third of homes is $351,281, and in the higher-priced third it is $878,845. Buyer closing costs run from $6,387 to $14,858 with 20% down.

Across the country, the average buyer's agent commission stood at 2.42% of the home price, Redfin reports. The exact rate is set by the agreement you sign with the agent. Commission enters the calculator only after you enter a rate, so you can compare totals both ways.

Small as it is, Colorado's transfer tax comes to just $40 on a $400,000 sale; that is the lowest among the 36 places, DC included, that charge one. Colorado and its neighboring states: here are the amounts buyers pay for the typical $529,000 home.

• Buyers in Colorado pay $9,757. The separate $53 documentary fee shows up under the seller's costs.
• In Arizona, buyers pay $9,731, and there is no transfer tax at all.
• Buyers in Kansas pay $9,713, with a transfer tax of $0.
• In Nebraska, estimated buyer closing costs come to $9,691. The transfer tax runs $1,756, though who pays it may differ.
• Buyers in New Mexico pay $9,721, and no transfer tax applies.
• Oklahoma: buyer closing costs are estimated at $9,671. The transfer tax comes to $794, and who pays it can vary.
• For Utah, buyers pay $9,751; the transfer tax is $0.
• In Wyoming, buyers pay $9,671, and no transfer tax is charged.

It begins with a conventional loan plus 20% down, then adds lender fees, prepaid items, recording fees and an owner's title policy, letting you see your cash to close before an offer. Buyer closing costs in Colorado reach $7,876 at a $400,000 price. Looking at all 50 states and DC, that amount sits $26 above the middle state.

Recording fees follow the fee schedule set by Arapahoe County. For every deed and mortgage, the county posts $43 for recording. Counties elsewhere may set different amounts for recording. Colorado appears on a list in a Michigan Bar Journal article of states where no lawyer is needed at closing, so the calculator adds no legal fee.

Type your price and down payment now for your own line-by-line estimate of closing costs.

When a home changes hands, Colorado charges a small state fee; the rate is 0.01% of the sale price. Arapahoe County, for example, adds $0.10 for every $1,000 of the purchase price, charged on each document that transfers ownership. On a $529,000 home, the total comes to $53.

Seller costs before commission come to just $53 on the typical $529,000 home, and the documentary fee covers all of that. For a $400,000 sale price, the total reaches $40, which is $400 below the middle state.

You can negotiate some of these charges. Colorado's standard home-sale contract has the buyer and seller work out together who picks the owner's title policy and who pays for it. Buyers usually pay for the lender's policy. Your mortgage payoff and any real estate agent commission are added on top of these charges.

Enter your sale price and commission rate to learn how much of the sale money you'd take home.