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How a Colorado home sale closes

In most Colorado transactions, a title company handles the closing.

• The Colorado Real Estate Commission notes that escrow agents, brokers or attorneys occasionally close instead.
• Colorado Division of Insurance rules call for written closing instructions before a title entity conducts closing services.
• There should be only one set of closing instructions for a transaction.
• Your contract sets the closing date, so pick one that fits your move.

Documentary fee and closing costs

Colorado charges a state documentary fee of one cent per $100 of consideration on deeds over $500.

• The fee is set in C.R.S. 39-13-102 and applies only to documents conveying real property.
• No fee is due when the total consideration is $500 or less.
• The fee is collected when the deed is recorded with the county clerk and recorder.
• Ask for a written estimate of your closing costs before you sign.

Seller disclosures in Colorado

The Colorado Real Estate Commission publishes a Seller's Property Disclosure form (SPD19) for residential sales, and your contract decides whether it's required.

• The current residential version became mandatory for use on January 1, 2026.
• Answers reflect your current actual knowledge, and the form says you have no duty to investigate or inspect.
• The form should be completed by the seller, not the broker.
• The Commission advises consulting legal and tax counsel before signing.

Foreclosure process and timeline

Colorado deed of trust foreclosures run through the county public trustee and start when a Notice of Election and Demand is recorded.

• In Adams County, sales of non-agricultural property occur 110 to 125 days after the Notice of Election and Demand is recorded.
• A party entitled to cure must file a Notice of Intent to Cure at least 15 days before the sale.
• For cases started after January 1, 2008, the owner no longer has a right to redeem after the sale.
• A qualifying deferment with a HUD-approved counselor may continue the sale for up to 90 days.
• Selling before the sale date may be an option. Confirm your dates with an attorney.

Probate and inherited homes

Colorado's small estate affidavit is not valid for transferring real estate, so an inherited home often needs a personal representative.

• The affidavit's dollar limit depends on the year of death. For 2024 deaths, the court form lists $82,000.
• At least 10 days must pass after the death before the affidavit is used.
• In informal probate, the Registrar may appoint a personal representative without prior notice to interested persons.
• A probate attorney can help with selling a home from an estate.

Selling a rental with tenants

Colorado's 2024 for-cause eviction law (HB24-1098) affects how many residential tenancies can end, including when an owner sells.

• The law lists no-fault grounds, including withdrawing a unit from the rental market to sell it, with limitations.
• Notice and other requirements can apply, so talk with a Colorado attorney before planning any move-out.
• Many investors are open to buying homes with tenants in place.
• Share the lease, rent details and deposit records with the investor early.

Property tax and capital gains basics

Colorado offers a senior property tax exemption for long-time owners, and federal law may exclude some or all of your home-sale gain.

• Applicants must be at least 65 on January 1 and have owned and lived in the home for 10 consecutive years.
• When the state funds it, 50% of the first $200,000 of actual value is exempt.
• Applications are due to the county assessor by July 15.
• Federal law lets many sellers exclude up to $250,000 of gain, or up to $500,000 for joint filers (IRS Topic 701).
• You generally must have owned and lived in the home for at least 2 of the last 5 years.
• A tax professional can confirm how these rules apply to your sale.

Notes for military sellers

Colorado installations include Fort Carson, the U.S. Air Force Academy and Buckley Space Force Base in Aurora, and SCRA protections may apply.

• For mortgages taken out before service, a non-judicial foreclosure generally needs a court order during service and for one year after.
• The SCRA caps interest at 6% on qualifying pre-service mortgages during service and for one year after.
• Qualifying service members may elect to suspend the IRS five-year test period for the home-sale exclusion for up to 10 years.
• Servicemember tenants with qualifying orders may have the right to end a residential lease early.
• A military legal assistance office or attorney can review your situation.

Tell us about the house

Property type, condition, timeline and address. It takes about two minutes.

Talk with a local investor

An investor who buys in your area calls to learn about the property and your plans.

Review your offer

A quick walkthrough confirms the details, then you review a written offer on your own time.

Close on your date

You choose the closing date. The title or escrow company handles the paperwork and the funds.