Colorado Closing Process: What Buyers and Sellers Should Expect

Jerad Larkin
Nov 12
2 min read

Introduction: The Final Step in a Real Estate Transaction

Whether you’re buying or selling a home in Colorado, the most exciting - and sometimes stressful - part is the closing process. Many people ask: “What exactly happens during a Colorado closing, and how can I prepare?”

Learn the Colorado closing process step by step. Jerad Larkin and Chicago Title Colorado explain timelines, costs, and what to expect on closing day.

In this blog, we’ll explain the step-by-step Colorado closing process, typical timelines, costs, and why Jerad Larkin and Chicago Title Colorado are trusted to make closings smooth across Denver, Colorado Springs, and the Front Range.

What is the Closing Process?

The closing process is the final step in a real estate transaction where property ownership officially transfers from seller to buyer. It involves:

Signing legal documents.
Paying required funds.
Confirming all lender conditions are met.
Recording the deed with the county.

Step-by-Step Colorado Closing Process

Purchase Contract Signed
- Buyer and seller agree on terms, including closing date and cost responsibilities.
Title Search and Commitment
- The title company reviews ownership history and issues a title commitment.
Escrow Management
- Buyer deposits earnest money.
- Escrow holds loan funds and down payment securely.
Loan Finalization
- Lender issues final approval and closing disclosure (must be delivered 3 days before closing).
Closing Appointment
- Buyer and seller sign all documents, including deeds, settlement statements, and loan agreements.
Funds Disbursement
- Escrow distributes money to the seller, lenders, and service providers.
Recording with County
- The deed is recorded, and ownership officially transfers to the buyer.

Timeline for a Colorado Closing

Financed Purchases: Typically 30–45 days from contract to close.
Cash Purchases: Can close in as little as 7–14 days.

Who Attends the Closing in Colorado?

Buyer and seller (or representatives).
Real estate agents.
Escrow officer/title agent.
Loan officer (if financing is involved).

Remote closings and e-signings are becoming more common in Colorado as well.

Typical Closing Costs in Colorado

Closing costs usually range between 2–5% of the purchase price. They include:

Title insurance.
Escrow fees.
Recording fees.
Loan-related costs (if applicable).
Prorated property taxes.

Why Chicago Title Colorado is a Trusted Closing Partner

Jerad Larkin and Chicago Title Colorado provide:

Efficient and secure closings with expert escrow management.
Local knowledge of Denver, Colorado Springs, and Front Range counties.
Educational resources to prepare buyers and sellers.
Agent support with property books, O&E reports, and farming tools.
National financial backing for peace of mind.

Real-Life Examples

A Denver buyer closed on time despite a lender delay thanks to Chicago Title’s coordination.
A Colorado Springs seller praised clear communication during their closing process.
A Boulder agent impressed clients by walking them through Chicago Title’s step-by-step checklist.

Conclusion

So, what is the Colorado closing process?

It’s the final step of a real estate transaction where ownership changes hands. With Jerad Larkin and Chicago Title Colorado, buyers, sellers, and agents can expect smooth, secure, and efficient closings every time.