| Transfer tax | State documentary fee $0.01 per $100 of value; some mountain resort towns (Aspen, Telluride, Crested Butte) levy their own local real estate transfer taxes. |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county clerk and recorder, typically a flat per-document fee. |
What drives your total
Lender fees, title insurance, prepaid taxes and insurance, and any points you buy move the number most. On a $400,000 purchase, 2–5% means roughly $8,000–$20,000 at the table, your Loan Estimate itemizes every dollar three business days before closing.
Ways to reduce cash to close
- Seller credits (negotiated in the contract, program limits apply)
- Lender credits in exchange for a slightly higher rate
- Down payment assistance programs where available
- Closing on time, per-diem interest accrues daily
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in Colorado?
Buyer closing costs in Colorado typically run 2–5% of the purchase price. State-specific items include: State documentary fee $0.01 per $100 of value; some mountain resort towns (Aspen, Telluride, Crested Butte) levy their own local real estate transfer taxes.
Who pays transfer tax in Colorado?
Customarily the seller (customary) pays the transfer tax in Colorado, though it is negotiable in the contract.
Does Colorado require an attorney at closing?
No, Colorado does not require an attorney at closing, though title insurance is still standard.