Colorado only · License-verified agents · Free for buyers and sellers
Tools
Switch between buyer and seller. We'll itemize every typical line on a Colorado closing statement — including the small things most national calculators miss, like our 0.01% state doc fee and the seller-pays-owner's-title custom.
Colorado custom
Owner's title insurance is paid by the seller in Colorado — that's a few thousand off your closing table compared to many states.
Estimated buyer closing costs
$11,363
Roughly 2.1% of purchase price.
Estimate only. Real numbers come from your Loan Estimate (buyer) or seller's net sheet. HOA transfer fees, attorney fees, and condo certs vary by property and aren't modeled here.
Reading the result
Buyer 2–4%
Lender origination, appraisal, inspection, title, recording, and prepaids (taxes plus a year of insurance) typically add up to 2–4% of the price on top of the down payment. On a $550k home that's $11k–$22k of cash needed at close. Your Loan Estimate locks in the actual numbers within 3 business days of application.
Seller 7–9%
The dominant line is agent commission (5–6%). On top of that: owner's title insurance, the CO doc fee, escrow services, and tax prorations. We surface these line by line so you can see exactly what's negotiable. Use the net proceeds tool for the dollar walk-away figure.
CO advantage
No statewide transfer tax. No mortgage tax. A 0.01% doc fee that rounds to a tank of gas. Owner's title insurance customarily paid by the seller, not the buyer. Compared to New York or California, closing in Colorado is a few thousand dollars lighter on both sides.
Want a real Loan Estimate or Net Sheet?
Within five minutes you'll have someone on the phone who can pull real numbers for your transaction. No credit pull, no commitment.