Average closing costs in Colorado

When buying a home in the Centennial State, you'll want to know how much are closing costs in Colorado? Closing costs in Colorado are below the national average, but vary based on the location and price of the home you're buying. Here’s what you need to know about closing costs if you’re buying a home in Colorado.

How much are closing costs in Colorado?

The average closing costs on a home purchase in Colorado are $3,470 including recording fees and taxes, according to 2025 data from LodeStar Software Solutions. That's 35.8% lower than the national average of $5,410.

 Without recording and taxes, average Colorado closing costs are $2,896, which is 37.8% less than the national average of $4,661.

Closing costs can vary significantly depending on location, home price, and other factors.

The median home price in Colorado in 2025 was $593,494, according to LodeStar. That's more than 35% higher than the national median sale price of $438,236.

The average closing cost percentage in Colorado is about 0.59% of the home’s sale price, including recording fees and taxes, which is lower than the national average of 1.06%. Without recording and taxes, the national average is 0.86%.

What is included in closing costs in Colorado?

Closing costs in Colorado encompass a range of fees and expenses associated with finalizing a home purchase. Some are specific to the state, such as the Colorado documentary fee for residential real property, which applies to most transactions.

Both buyers and sellers contribute to closing costs, including real estate commissions or REALTOR^® fees. Still, in most cases, these fees can be negotiated.

Below is a table showing many of the most common closing costs in Colorado, along with who typically pays them. This list isn't exhaustive, but it gives a good overview of what to expect at the closing table.

Tips for reducing your closing costs in Colorado

While some closing costs are fixed, there are a few ways to reduce what you’ll owe at the closing table. Taking the time to compare and negotiate can make a noticeable difference in your total out-of-pocket expenses.

Here are a few strategies to consider:

• Seller concessions. During negotiations, you can ask the seller to cover a portion of your closing costs. This is especially common in slower markets, where sellers may be more willing to make a deal to help move the sale forward.
• Lender shopping. Every lender sets its own fees, so getting quotes from several can help you identify the best overall offer. Look beyond the interest rate. Compare origination fees, underwriting costs, and other lender-specific charges to determine the most favorable terms.
• Negotiate a lower sale price. Because many closing costs are based on a percentage of your home's price, lowering the sale price can also automatically reduce your closing costs. Even a slight reduction can save you a lot of money.

The bottom line: Colorado closing costs are lower than average

Closing costs in Colorado are generally lower than the average. The exact amount you'll pay depends on factors like location, loan type, and the home's price point. These costs include lender, title fees, agent, and government fees, but not everything is set in stone. With a bit of preparation, you can reduce what you owe through comparison shopping, negotiating, or requesting seller concessions.

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