Colorado Buyer Closing Cost Calculator

Calculator

Estimate closing costs and cash to close

Enter the purchase price and down payment, choose a loan type, then fill the blank lines from your Loan Estimate or title quote. Cash to close subtracts earnest money and any seller credit you enter.

Purchase and loan Purchase price ($) Down payment ($) Loan type Earnest money already paid or planned ($)

Credited at closing under the Colorado contract when held and applied as agreed. See earnest money in Colorado.

Seller credit / concession toward buyer costs ($)

Negotiated in the contract (CBS1 §4.2). Enter 0 if none.

From your Loan Estimate or quotes (enter amounts; default $0) Lender origination, points and lender fees ($)

Enter from your Loan Estimate. No typical amount is assumed.

Appraisal ($) Credit report ($) Title, closing or escrow fee — buyer share ($) Lender’s title insurance ($) Owner’s title insurance — if buyer pays ($)

In Colorado the owner’s policy is often negotiated in the contract (CBS1 §8.1). Leave at $0 if the seller pays.

Survey or ILC ($) Inspections ($) HOA transfer / capital contribution ($) HOA status letter fee — if buyer pays ($)

CBS1 §15.3 lets the parties allocate association fees. Enter only what you will pay.

Prepaid property taxes ($) Prepaid homeowners insurance ($) Other prepaids / prepaid interest ($) Other buyer costs ($)

Statutory and published fees (auto)

These update from the purchase price and loan type. You can override the recording total if your county quote differs.

Documents to record (deed; plus deed of trust if financed)

Default: 2 when financed, 1 for cash. Douglas County / statewide flat fee $43 each (effective 2025-07-01).

Recording fees total ($)

Documentary fee: calculated from C.R.S. 39-13-102.

Enter your info to see your estimate

Fill in the purchase details on the left, then leave your name, email and phone. Your cash-to-close estimate appears only after you submit—no spam.

Sources

How this estimate works

Defaults are used only where a primary source was checked. Everything else is blank until you enter it.

Colorado documentary fee

$0.01 per $100 (or major fraction) of consideration when the total exceeds $500; none at $500 or less. Source: C.R.S. §39-13-102.

Recording fees

$43 flat per document at Douglas County Clerk & Recorder (schedule effective July 1, 2025), matching the statewide flat fee under HB24-1269. Financed purchases default to two documents (deed + deed of trust); cash defaults to one. Edit if your title quote differs.

FHA upfront MIP

1.75% of the base loan amount (175 bps) for most Title II forward mortgages. Source: HUD Mortgagee Letter 2023-05 / Handbook 4000.1 Appendix 1.0. Financed into the loan by default.

VA funding fee

Purchase rates from VA.gov (effective April 7, 2023): first use 2.15% / 1.5% / 1.25% by down payment; subsequent use 3.3% / 1.5% / 1.25%. Exemptions follow VA.gov. Financed by default.

Owner’s title and HOA fees

CBS1 lets buyers and sellers allocate the owner’s title policy (§8.1) and association fees such as the status letter (§15.3). This tool does not assume who pays; enter only your share.

Lender and title quotes

Origination, appraisal, title premiums and similar lines have no statewide standard dollar amount here. Paste them from your Loan Estimate or title quote. Read the full Colorado buyer closing costs guide.

Disclaimer: This calculator is an educational estimate for Colorado residential buyers. It is not a Loan Estimate, Closing Disclosure, appraisal, legal advice or a promise of costs. Always rely on your lender and title company. Equal Housing Opportunity.

FAQ

Closing cost calculator: common questions

Is this my real cash to close?

No. It is an estimate to help you plan. Your lender’s Loan Estimate and Closing Disclosure, plus the title company’s figures, are the numbers that matter. Call or text Kaylie at 720-357-5785 if you want help reading them.

Which numbers are calculated for me?

Only fees with a published primary source: the Colorado documentary fee under C.R.S. 39-13-102, the Douglas County recording flat fee of $43 per document (statewide under HB24-1269), FHA upfront MIP at 1.75% of the base loan (HUD Handbook 4000.1), and the VA funding fee table on VA.gov. Everything else starts at $0 for you to fill from your Loan Estimate or quotes.

Who pays for the owner’s title policy in Colorado?

Under the Colorado Contract to Buy and Sell Real Estate (Residential) (CBS1), the parties choose who selects the title company and who pays for the owner’s title policy. It is often negotiated in the contract. This calculator leaves the buyer’s owner’s-title line at $0 unless you enter an amount.

Does cash to close subtract earnest money?

Yes. Earnest money is usually paid when you go under contract and is credited at closing, so the estimate subtracts the earnest money you enter from cash to close. See the earnest money guide for how the deposit is held and when it can be returned.

Should I finance the FHA upfront MIP or VA funding fee?

Most borrowers finance those government fees into the loan. The calculator finances them by default so they are not added again to cash to close. Uncheck the box if you will pay them in cash at closing.

What about HOA transfer and status letter fees?

Those amounts vary by community. CBS1 lets the parties allocate the status letter and related association fees in the contract. Enter the numbers from the association’s fee schedule or the title quote; defaults are $0.

Kaylie Curtis

Luxury Real Estate Agent
The Gold Standard Brokerage

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Share a few details and I’ll reach out personally to talk through your budget, your areas and next steps.

Phone (call or text): 720-357-5785 Email: kaylie@tgsbrokerage.com

The Gold Standard Brokerage was founded by Sean Gribbons and is run by Sean Gribbons and Kaylie Curtis together.

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