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
Colorado in the national transfer-tax dataset
0.01%, #36 of 51 nationally; at $400,000, that is $600 below the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #36 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Colorado: $40
- County coverage
- 0
- 0 with a city-tax field
Colorado transfer-tax data: official source linked on this page, reviewed 2026-Q2.
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 levies a state "documentary fee" of $0.01 per $100 of consideration ($0.10 per $1,000 = 0.0001 of price) under C.R.S. 39-13-102, applying only when consideration exceeds $500. There is no general county/city add-on; TABOR (1992) bars new local transfer taxes, but a few grandfathered home-rule resort towns (Aspen, Telluride, Vail, Breckenridge, Crested Butte, Frisco, etc.) levy their own real-estate transfer taxes of roughly 1%-3%. Gift/no-consideration transfers and consideration of $500 or less are exempt.
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: C.R.S. 39-13-102. Official source ↗
Colorado closing cost calculator
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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 levies a state "documentary fee" of $0.01 per $100 of consideration ($0.10 per $1,000 = 0.0001 of price) under C.R.S. 39-13-102, applying only when consideration exceeds $500. There is no general county/city add-on; TABOR (1992) bars new local transfer taxes, but a few grandfathered home-rule resort towns (Aspen, Telluride, Vail, Breckenridge, Crested Butte, Frisco, etc.) levy their own real-estate transfer taxes of roughly 1%-3%. Gift/no-consideration transfers and consideration of $500 or less are exempt.
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.
Closest transfer-tax comparisons
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