Colorado seller net sheet calculator

Colorado’s state documentary fee is tiny, 0.01% of the price, and the buyer typically pays it. Under the state-approved contract the seller pays for the owner’s title policy unless the parties choose otherwise.

Colorado’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Colorado: Documentary fee: 0.01% of the price, usually paid by the buyer. Owner’s title is usually paid by the seller.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $245,337

43%keeps

Sale price$575,000
Commissions−$31,625
- Listing agent commission (3%)est.−$17,250
- Buyer’s agent compensation (2.5%)est.−$14,375
Loans and liens−$290,000
- Mortgage payoff−$290,000
Title and closing−$2,713
- Owner’s title insuranceest.−$2,013
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$5,325
- Property taxes (prorated)est.−$5,325
Net to seller$245,337

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Colorado sale, worked out

The calculator opens on $575,000, about the median value of an owner-occupied home in Colorado ($574,600, 2024 Census estimate), with a $290,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $8,038, or 1.4% of the price, for a closing on December 5, 2026. Colorado’s transfer tax on a $400,000 sale is the 36th highest of the 35 states and DC that have one.

Seller’s costs on $575,000, before commissions and the payoff
Owner’s title insuranceest.	−$2,013
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$5,325
Total	−$8,038

Estimates are tagged “est.”; the rest follow the state’s rules.

The documentary fee and title at other prices

Documentary fee is 0.01% of the price, usually paid by the buyer. The owner’s policy below is an estimate; your title company’s quote will differ. The seller usually pays for it.

Sale price	Whole documentary fee	Seller usually pays	Owner’s title policy
$250,000	$25	$0	$875est.
$500,000	$50	$0	$1,750est.
$750,000	$75	$0	$2,625est.
$1,000,000	$100	$0	$3,500est.
$2,000,000	$200	$0	$7,000est.

Counties or cities in Colorado can add a tax of their own. Add it under Other costs in the calculator.

Selling in Colorado: what to know

Documentary fee

Colorado’s state documentary fee is $0.01 per $100 of the price (0.01%) when the price is over $500, so $40 on a $400,000 sale. Whoever records the deed pays it, which in practice is the buyer. A few home-rule mountain and resort towns, including Aspen, Snowmass Village, Vail, Avon, Breckenridge, Telluride, Mountain Village and Crested Butte, kept local transfer taxes that predate 1992, and the contract says who pays them.

Title insurance

The state-approved Colorado contract defaults to the seller choosing the title company and paying for the owner’s policy when neither box is checked. Any extra premium for owner’s extended coverage is assigned by checkbox.

Who runs the closing

Title companies provide closing services in Colorado; an attorney isn’t required. The closing services fee is set in the contract and commonly split.

Property taxes

Colorado taxes are paid in arrears: each year’s tax is paid the next year, in full by April 30 or in halves by the last day of February and June 15. The standard contract prorates the closing year using the prior year’s taxes or the latest mill levy and valuation, so the seller credits the buyer.

Local differences

Resort areas often add private transfer fees owed to an HOA or foundation, and the Colorado contract has a line for them. Non-resident sellers may also face Colorado income tax withholding at closing.

Selling in Colorado: questions

Is there a transfer tax in Colorado?

Only a small one. The state documentary fee is $0.01 per $100 of the price, and the buyer typically pays it. Some mountain towns such as Aspen, Vail and Breckenridge have their own transfer taxes.

Who pays for title insurance in Colorado?

Under the state-approved contract the seller pays for the owner’s policy if neither box is checked. Owner’s extended coverage is assigned separately.

How are property taxes prorated in Colorado?

Colorado taxes are paid a year in arrears, so at closing the seller credits the buyer for the current year to date, usually based on the prior year’s taxes or the latest mill levy and valuation.

How much are seller closing costs in Colorado?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Colorado seller’s costs on a $575,000 sale come to about $8,038 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $2,013, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $5,325. Put in your own numbers above for a closer figure.

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