What It Costs to Sell a Home in Denver (with a Net Sheet Worksheet)
Updated 2026-11-07
What does it cost to sell a home in Denver?
Your net proceeds are the sale price minus your mortgage payoff, real estate commissions, title and closing costs, prorated property taxes and HOA amounts, any concessions you agree to, and any prep or repair costs. Lewi builds a net sheet for your home before you decide to list, so you know the number up front.
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Each cost explained
- Mortgage payoff. Your lender gives the exact payoff, including interest to the closing date.
- Real estate commissions. Commissions are negotiable and are not set by law. How buyer agent compensation is offered and agreed changed in August 2024 under the NAR settlement; your listing agreement spells out what you pay. [1]
- Title and closing. Who pays for the owner's title insurance policy and closing fees is set in your contract. The title company quotes exact fees.
- State documentary fee. Colorado charges a documentary fee on deeds of one cent per $100 of the consideration when it exceeds $500 (C.R.S. 39-13-102). Who pays it is set in the contract. [2]
- Prorated property taxes. Colorado property taxes are paid in arrears, so sellers usually credit the buyer for the part of the year they owned the home. Look up your taxes on your county treasurer site. [3]
- HOA amounts. Status letters, transfer fees and prorated dues, if your home has an HOA.
- Concessions and repairs. Credits negotiated after inspection, or toward the buyer's closing costs.
- Prep. Cleaning, paint, landscaping, minor repairs, staging, photos.
Taxes on the gain
Many owners can exclude part or all of the gain on a main home if they meet IRS ownership and use tests. Read IRS Publication 523 and talk with a tax professional. Lewi does not give tax advice. [4]
Net sheet worksheet
Fill in your own numbers. The only formula shown is the documentary fee: sale price x 0.0001 (for example, a $500,000 sale gives a $50 fee). Lewi can fill in the rest for your address with title company figures.
| Line | Your number |
|---|---|
| Sale price | |
| Mortgage payoff | |
| Listing side commission (per your agreement) | |
| Buyer side compensation, if you agree to offer it | |
| Owner's title policy and closing fees (title company quote) | |
| Colorado documentary fee, if seller pays (sale price x 0.0001) | |
| Prorated property taxes (county treasurer) | |
| HOA status letter, transfer, prorations | |
| Concessions or repair credits | |
| Prep, repairs, staging | |
| Estimated net proceeds |
How to raise your net
Price from recent nearby sales, fix what buyers' inspectors are likely to flag, and present the home well. In a client's words: "He made the selling process a breeze and got me top dollar for my home" (scott miller, Google review, Jun 8, 2021).
Next step
Ask Lewi for a net sheet built for your address.
Common questions
What comes out of my sale price when I sell in Denver?
Mortgage payoff, real estate commissions, title and closing costs, the Colorado documentary fee if your contract assigns it to you, prorated property taxes and HOA amounts, agreed concessions, and prep or repair costs.
How much is the Colorado documentary fee?
One cent per $100 of consideration when the consideration exceeds $500, under C.R.S. 39-13-102. A $500,000 sale works out to $50. The contract sets who pays it.
Are real estate commissions set by law?
No. Commissions are negotiable. Your listing agreement spells out what you pay, including whether you agree to offer buyer side compensation.
Sources
- NAR, facts about the settlement (as of Nov 6, 2026)
- C.R.S. 39-13-102, documentary fee (Justia) (as of Nov 6, 2026)
- Denver Treasury, Property Taxes (as of Nov 6, 2026)
- IRS Publication 523, Selling Your Home (as of Nov 6, 2026)
Related: Cost to sell a house in Denver · All guides · Central Park, Denver, CO: Selling Central Park
Questions now? Call or text (303) 915-2201 or email[email protected].