Buyer
Mortgage calculator
Monthly payment estimate with Colorado property tax, insurance, and PMI defaults baked in.
Open the toolTools
Colorado-specific tools, no email required.
Every calculator on this page runs in your browser with Colorado defaults — 0.5% effective property tax, the 0.01% state document fee, CHFA program rules, resort-town transfer taxes. No tracking, no gating, no "sign up to see your result."
New here? Start with this.
The readiness checklist.
Not sure which calculator to run first? The checklist is the meta-tool — it walks you through the seven things that actually matter, and links to the right calculator for each.
Checklist · Buyer or seller
Are you actually ready to buy or sell?
Seven honest prerequisites. Not five questions ending in "you're ready!" Each item that maps to one of our calculators links straight to it.
Buying in Colorado
Tools for buyers.
Run the numbers before you fall for a listing. Every calculator uses Colorado tax and insurance defaults — not national averages.
Buyer
Affordability calculator
Income, debts, and down payment in — your realistic Colorado purchase ceiling out.
Open the toolBuyer
Rent vs. buy
How many years you'd need to stay before buying beats renting in your Colorado market.
Open the toolBuyer
Closing cost estimator
Lender, title, and prepaid escrow estimates — Colorado has no statewide transfer tax, so most buyers save here.
Open the toolBuyer
First-time buyer matcher
Match your income and county to CHFA loan programs and down payment assistance grants.
Open the toolSelling in Colorado
Tools for sellers.
The number that matters at closing isn't the sale price — it's the wire transfer. These tools get you to that number.
Seller
Net proceeds calculator
Sale price minus payoff, commission, the Colorado state doc fee, and any resort-town transfer tax — your real walk-away cash.
Open the toolSeller
Home equity calculator
Current value minus mortgage balances. Shows your loan-to-value and how much HELOC headroom you'd likely qualify for.
Open the toolSeller
Capital gains estimator
Federal plus Colorado 4.40% flat tax with the primary-residence exclusion — see if you actually owe anything.
Open the toolOn the workbench
What we're building next.
A few of these need data partnerships before we ship them honestly. We'd rather wait than ship a calculator that misleads you.
Coming soon
Mill levy / property tax lookup
Type a Colorado ZIP, see the county and special-district mill levies that drive your tax bill.
Coming soonComing soon
Live mortgage rate ticker
Weekly Colorado-blended 30-year and 15-year averages, refreshed from Freddie Mac PMMS.
Coming soonComing soon
Home value estimator
We're holding off until we can do this honestly. For now, ask a vetted local agent for a real comparative market analysis.
Coming soonComing soon
School district overlay
Match a Colorado address to its school districts and ratings. Sourcing the data carefully — it's worth waiting for.
Coming soonComing soon
Wildfire & hail risk lookup
Colorado's two big insurance drivers, scored by ZIP. Coming once we have a non-paywalled data partner.
Coming soonComing soon
Commute drive-time tool
Compare neighborhoods by drive time to your office or campus. Routing-API integration in progress.
Coming soonTools only get you so far
Want a real Colorado agent in the loop? Tell us your ZIP.
A vetted local agent calls within five minutes. They'll cross-check the numbers any of these tools spit out against the actual market they work in.