Closing costs in Colorado
What a buyer or seller pays at the closing table in Colorado — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Colorado's actual rates.
- Transfer tax
- 0.01%
- customarily buyer-paid
- Recording fee (deed)
- ~$43
- charged per page of the document
- Title insurance
- filed
- ~$4.50 / $1,000
- Attorney at closing
- Not required
How closing costs work in Colorado
The biggest closing-cost variable in Colorado is the real-estate transfer tax, which here is 0.01% and is customarily buyer-paid. Colorado has only a tiny state documentary fee of $0.01 per $100 (0.01%) on the deed — among the lowest in the nation. A constitutional amendment (TABOR) bars new transfer taxes, though a few resort towns (Aspen, Breckenridge, Vail, Telluride) keep pre-1992 local transfer taxes of 1%–3%.
On a $400,000 home, the state-level transfer tax works out to roughly $40 , before any county or city add-ons. County recording fees are charged per page of the document and run around $43 for the deed.
For title insurance, Colorado title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Colorado does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,500–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Colo. Rev. Stat. § 39-13-102 (documentary fee). Official source ↗
Colorado closing cost calculator
Pre-set to Colorado. Adjust your price, down payment and loan type.
Estimated closing costs
$8,844
≈ 2.21% of the home price · excludes your down payment
Cash to close
$88,844
incl. down payment
Line-by-line breakdown
Frequently asked questions
How much are closing costs in Colorado?
In Colorado, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.01%, customarily buyer-paid), county recording fees (charged per page of the document, around $43), and title insurance. Colorado does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Colorado?
Colorado's real-estate transfer tax is 0.01% and is customarily buyer-paid. Colorado has only a tiny state documentary fee of $0.01 per $100 (0.01%) on the deed — among the lowest in the nation. A constitutional amendment (TABOR) bars new transfer taxes, though a few resort towns (Aspen, Breckenridge, Vail, Telluride) keep pre-1992 local transfer taxes of 1%–3%.
Who pays closing costs in Colorado?
Both buyer and seller pay different items. The transfer tax in Colorado is customarily buyer-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Colorado?
No. Colorado does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Other states
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