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Denver Closing Costs 2026
Denver has no statewide real estate transfer tax, but recording charges, title premiums, settlement fees and tax prorations still apply. Buyers in attached housing should also distinguish HOA transfer or working-capital charges from lender closing costs. The 0.50% figure shown here is the Colorado statewide benchmark, not a claimed city average. Actual charges appear on your Loan Estimate.
Denver closing costs do not have a reliable city-only average. Use Colorado's 0.50% statewide purchase benchmark as a planning reference, then replace it with the title quote, insurance premium, tax proration and lender charges for the actual City and County of Denver property.
- ✓0.50% is a Colorado benchmark from LodeStar, not a Denver-specific average
- ✓On a $500,000 illustration, that statewide benchmark is about $2,500
- ✓Denver Clerk and Recorder handles the county recording step
- ✓A Loan Estimate—not a web calculator—controls the file-specific comparison
What this means for you: Budget from a sourced statewide benchmark, but make the decision from the itemized Loan Estimate and property-specific title and insurance quotes.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Get your personalized scenario summary
Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: estimated payment breakdown, estimated cash to close, the loan structures that fit your file, and what documentation the file will need.
- Estimated monthly payment with taxes and insurance
- Estimated cash to close for your scenario
- Loan options your profile may fit
- Document checklist for your file
Takes about 3 minutes · Summary shown on screen and emailed to you
Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.
Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
State drives title, recording, and transfer taxes.
src/data/lodestar-report.ts when a newer LodeStar report is published.Next steps
Emailing your Closing cost calculator scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.
Assumptions, methodology, and limitations
The calculator uses the selected purchase price and user-entered lender, title, government and prepaid assumptions. It starts with Colorado, but it does not claim a Denver average.
Illustrative estimate only. Actual fees, credits, taxes, insurance, escrows and cash to close are disclosed on the Loan Estimate and Closing Disclosure; this is not a quote, lock, offer or commitment to lend.
Results are illustrative estimates only and are not a quote, lock, offer, or commitment to lend. No rate, APR, or program approval is implied. Binding figures appear on your Loan Estimate. Eligibility, terms, and availability vary by borrower, property, lender, loan program, and state.
Run your scenario with a loan officer
Share your numbers and a Simply Approved Mortgages Loan Officer sends back an estimated payment, estimated cash to close, and the structures that fit your file. Educational only — not a quote, lock, offer, or commitment to lend.
What changes the cash needed to close in Denver?
Denver mixes early-1900s brick bungalows and Denver Squares with dense infill rowhomes and a growing number of townhome and duplex conversions.
Denver has no statewide real estate transfer tax, but recording charges, title premiums, settlement fees and tax prorations still apply. Buyers in attached housing should also distinguish HOA transfer or working-capital charges from lender closing costs.
Local line items to verify before the offer deadline
- Denver sits well above the FHA national floor as part of the Denver-Aurora metro limit.
- Townhome and rowhome HOAs can cover exterior maintenance and insurance, changing the escrow picture.
- Hail exposure affects roof condition and insurance pricing across the Front Range.
These items do not create a separate city average. They explain why two Denver homes at the same price can produce different prepaid escrows and cash-to-close totals.
How recording works for a City and County of Denver property
Denver Clerk and Recorder is the local recording authority identified for this guide. The settlement professional records the deed and security instrument after funding and itemizes government recording charges on the Closing Disclosure. Confirm the property county when a city crosses county lines.
Want these numbers built around your file?
A short request is all it takes to get a written scenario summary back from a Simply Approved Mortgages Loan Officer. Binding figures appear on your Loan Estimate.
How to compare two Denver Loan Estimates
- Compare the same loan type, rate-lock status and assumed closing date.
- Separate lender-controlled charges from title services, government charges and prepaid escrows.
- Replace estimated insurance with a property-specific quote.
- Confirm every seller credit and assistance amount is eligible and supported by actual costs.
- Use the final Closing Disclosure to verify changes at least three business days before consummation.
What the statewide benchmark can—and cannot—tell you
LodeStar's 2026 report supports the Colorado reference used above. It does not publish a verified Denver average. This page therefore keeps the state figure labeled and uses local context only for the line items that vary by address.
Colorado closing costs by city
Compare the statewide rules with local title, recording, insurance and prepaid-cost considerations. Each city guide uses its own local facts and photo.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Purchase market update
What buyers should know this month
30-Yr Fixed · national avg
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15-Yr Fixed · national avg
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2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Insurance and escrows
Denver sits well above the FHA national floor as part of the Denver-Aurora metro limit.
Property review
Townhome and rowhome HOAs can cover exterior maintenance and insurance, changing the escrow picture.
Local recurring charges
Hail exposure affects roof condition and insurance pricing across the Front Range.
Denver, Colorado taxes and expenses
What owning in Denver, Colorado actually costs beyond the loan
Underwriting qualifies you on the full housing payment, not just principal and interest. These are the Colorado lines that change that number — each one a published statewide average, not a quote.
Property tax
About 0.45% of value per year statewide (effective rate, Tax Foundation / Census ACS). Escrowed monthly, so it moves your qualifying payment.
Source: U.S. Census Bureau — American Community Survey, owner-cost tables
Homeowners insurance
Average annual premium near $2,400 (NAIC). Wildfire-zone properties may need a mitigation report before insurance binds.
Source: National Association of Insurance Commissioners — Homeowners Insurance Report
Transfer and recording
Colorado imposes a documentary fee of $0.01 per $100 of consideration (0.01%) on deeds — one of the lowest in the country. Colo. Rev. Stat. § 39-13-102. A handful of home-rule municipalities (Aspen, Vail, Telluride, Crested Butte, Breckenridge) levy local Real Estate Transfer Assessments. Documentary fee of $0.01 per $100 of value; no broader transfer tax.
Source: National Association of Realtors — Real Estate Transfer Tax
Who closes the file
Colorado closings are conducted by title/escrow companies; attorney involvement is optional. Total closing costs in Colorado average about 0.50% of the sales price.
Source: CFPB / HUD — Your Home Loan Toolkit (settlement cost ranges)
Local cost detail our loan officers see in Denver
- ·Metro District mill levies in newer subdivisions (Green Valley Ranch, Painted Prairie, Stapleton edges) commonly add $150–$400/mo to escrows and are underwritten at the full millage.
- ·Denver hail exposure per NOAA/NCEI storm-event data drives 5–10-year roof replacement cycles that show up as premium jumps at renewal.
- ·Colorado has no state doc-stamp tax comparable to Florida, but the 1¢-per-$100 documentary fee still appears as a Section E line on your Loan Estimate.
Assistance programs in Colorado are administered by Colorado Housing and Finance Authority (CHFA), which sets its own eligibility, income and price limits.
Local cost tools
Run the numbers for Denver, Colorado
These estimators start from Denver, Colorado's own published averages — an effective property tax rate near 0.45% of value, homeowners insurance around $2,400 a year, and local transfer and recording practice: Documentary fee of $0.01 per $100 of value; no broader transfer tax. Wildfire-zone properties may need a mitigation report before insurance binds. Change any input. Every figure is an illustrative estimate — not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $29,000
- Loan amount
- $551,000
- Principal & interest
- $3,483
- Property tax (Colorado)
- $218/mo
- Homeowners insurance
- $200/mo
- Estimated total monthly
- $3,900/mo
Sources for the Colorado seed figures: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. Taxes are seeded from the Colorado effective property tax rate and insurance from the statewide average annual premium; both are editable. Closing costs apply Colorado's transfer / documentary-stamp practice (0.01% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. They are compared to the Colorado statewide average of 0.50% of sales price. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Local market updates
Denver, Colorado housing market news — latest published data
Published housing and labour statistics for Denver, Colorado, drawn from federal and industry data feeds and shown with each publisher's own observation date. The dated figures below load from the source series when this page opens. These are published market statistics for context only — not a quote, lock, offer, or commitment to lend.
Data is republished as issued by the source and may be revised by the publisher. Averages and index values describe a market, not an individual file; your own terms depend on documented income, credit, assets, the property and lender underwriting. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Equal Housing Opportunity.
Denver closing costs questions
Answers to the most common Denver closing costs questions, written by licensed loan officers.
Ask SAM anything about Denver closing costs in Denver, Colorado
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Sources & Citations
- LodeStar 2026 Purchase Mortgage Closing Cost Data Report — Colorado statewide benchmark; no city-only average claimed.
- Consumer Financial Protection Bureau — Loan Estimate — Loan Estimate timing, fee comparison and tolerance guidance.
- Denver Clerk and Recorder — Local recording authority; verify charges through the settlement provider for the actual property.
Sources: government and agency publications listed above. Simply Approved Mortgages LLC is not affiliated with, endorsed by, or sponsored by HUD, FHA, VA, USDA, or any government agency. Program rules change; the published source text governs.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
Consumer Financial Protection Bureau
CFPB — Explore the Loan Estimate
Consumer Financial Protection Bureau
CFPB — Explore the Closing Disclosure
U.S. Department of Housing and Urban Development
HUD — Buying a home
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
How this page connects
Where this fits in the closing, appraisal and title library
This page applies the closing-cost breakdown to Colorado practice and statutory fees.
What most readers open next
- The closing process walkthroughBecause what happens between clear-to-close and keys.
- Loan Estimate versus Closing DisclosureBecause the two documents that hold your binding figures.
- How the appraisal worksBecause value and condition both affect the loan.
- Title insurance explainedBecause one of the largest third-party costs at closing.
Explore the full guide
Keep reading — the rest of the buying playbook
Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.
Guide
Colorado closing costs
Statewide transfer, title and settlement guidance.
Read the guide →Guide
National closing-cost guide
Calculator, fee categories and all-state directory.
Read the guide →Guide
Colorado purchase mortgages
Plan the financing alongside cash to close.
Read the guide →Guide
Mortgage pre-approval
Prepare the income, asset and credit review before shopping.
Read the guide →Internal library
Related mortgage guides across our library
Follow the next relevant guide for your scenario.
Purchase mortgages
Buying a home
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Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
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