The calculator below is pre-filled with Denver County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Colorado's statewide figures.
County data last updated 2026-08-28. FIPS 08031. Full source list on /methodology.
All-in cost first, always — pre-filled with Denver County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Colorado.
How much house can I afford in Colorado? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Colorado's statewide transfer charge on a $563,000 home is $56 — but total closing costs still run $11,260 to $22,520. Here's where the money actually goes.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Colorado Housing and Finance Authority's primary first-mortgage programs (CHFA FirstStep, SmartStep, HomeAccess, and related products) paired with down payment assistance of up to 3% (or up to $25,000 as a flat grant option on certain products) of the purchase price, either as a non-repayable grant or a low-interest deferred second mortgage, for qualifying first-time and repeat buyers statewide.