Colorado Home Buying Guide
West Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes Colorado Unique
Below-average property taxes for a high-cost state
CHFA offers 30-year fixed loans below market rate
Denver metro is extremely competitive
First-Time Buyer Programs in Colorado
CHFA First Step
Contact your state housing finance agency for current eligibility and rates
CHFA SmartStep
Contact your state housing finance agency for current eligibility and rates
CHFA Down Payment Assistance Grant
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Colorado
Attorney at Closing
Attorney Not Required
Colorado does not require an attorney at closing. A title company typically handles the transaction. Consider hiring one anyway for complex deals.
Local Tips for Colorado Buyers
CHFA programs require homebuyer education course.
Colorado's transfer tax is minimal — only 0.01%.
Mountain towns have seasonal demand — timing matters.
Estimated Annual Ownership Cost in Colorado
Based on the median home price of $555,000 with a 10% down payment and 7% mortgage rate.
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