Colorado Home Closing Process: Step-by-Step Guide for Buyers and Sellers

Jerad Larkin
4 days ago
2 min read

Introduction: The Big Day in Real Estate

Closing day is the finish line of the home buying and selling journey. Many people ask: “What exactly happens during the Colorado home closing process, and how can I prepare?”

Learn the Colorado home 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 walk through the step-by-step Colorado home closing process, explain who’s involved, and highlight why Jerad Larkin and Chicago Title Colorado are trusted across Denver, Colorado Springs, and the Front Range.

What is the Home Closing Process?

The closing process is when the property officially transfers from seller to buyer. It includes:

Signing required legal and loan documents.
Paying closing costs.
Confirming that funds and ownership documents are properly exchanged.
Recording the deed with the county.

Step-by-Step Colorado Home Closing Process

Contract Signed
- Buyer and seller agree on price, terms, and closing date.
Title Search & Commitment
- Title company reviews ownership and issues a title commitment.
Escrow Management
- Buyer deposits earnest money and loan funds into escrow.
Loan Approval
- Lender provides final approval and issues the closing disclosure (3 days before closing).
Closing Appointment
- Buyer signs loan and settlement documents.
- Seller signs deed and transfer documents.
Funds Distribution
- Escrow disburses funds to seller, lender, and other parties.
Recording with County
- Title company records the deed, completing the transfer of ownership.

How Long Does the Colorado Home Closing Process Take?

Financed purchases: 30–45 days from contract to closing.
Cash deals: 7–14 days.

Who Attends the Closing?

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

Remote closings and e-notary services are also increasingly common in Colorado.

Typical Closing Costs in Colorado

Closing costs generally range from 2–5% of the purchase price and may include:

Title insurance premiums.
Escrow fees.
Recording fees.
Lender fees (if financing).
Prorated property taxes and HOA dues.

Why Chicago Title Colorado is a Trusted Closing Partner

Jerad Larkin and Chicago Title Colorado provide:

Efficient and secure closings.
Accurate settlement statements to avoid surprises.
Local expertise with county recording offices.
Educational resources to prepare buyers and sellers.
National financial backing for peace of mind.

Real-Life Examples

A Denver buyer closed on time despite lender delays thanks to escrow coordination.
A Colorado Springs seller praised how clear and organized the settlement statement was.
A Boulder agent won repeat clients by explaining the closing process step by step.

Conclusion

So, what is the Colorado home closing process?

It’s the final step where documents are signed, funds are transferred, and ownership is recorded. With Jerad Larkin and Chicago Title Colorado, buyers and sellers gain peace of mind knowing every detail is handled correctly.