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Colorado Real Estate Settlement: What Buyers and Sellers Should Expect

  • Writer: Jerad Larkin
    Jerad Larkin
  • 1 day ago
  • 2 min read

Introduction: The Final Step in Closing

Buying or selling a home in Colorado involves many steps, but everything comes together at the real estate settlement. Many clients ask: “What is a real estate settlement in Colorado, and how does it work?”


Learn what happens during a Colorado real estate settlement. Jerad Larkin and Chicago Title Colorado explain the process, costs, and who attends.

In this blog, we’ll explain what happens during settlement, who’s involved, and why Jerad Larkin and Chicago Title Colorado are trusted to guide buyers, sellers, and agents through the process across Denver, Colorado Springs, and the Front Range.


What is a Real Estate Settlement?

A real estate settlement - often called “closing” - is the process where:

  • Buyers and sellers sign the final documents.

  • Funds are transferred through escrow.

  • The deed is recorded with the county.

  • Ownership officially transfers to the buyer.


Who Attends a Colorado Real Estate Settlement?

  • Buyer and seller (or their representatives).

  • Real estate agents.

  • Loan officer (if financing is involved).

  • Escrow officer or title company representative.

With technology, many settlements can also be completed remotely or digitally, depending on the county.


Step-by-Step Colorado Real Estate Settlement

  1. Review Settlement Statement

    • Both buyer and seller receive a detailed breakdown of costs.

  2. Signing Documents

    • Buyers sign loan documents, closing disclosures, and settlement statements.

    • Sellers sign the deed and transfer documents.

  3. Funds Distribution

    • Escrow releases money to the seller, lender, and service providers.

  4. Recording with County

    • The deed is officially recorded, finalizing ownership transfer.


Settlement Costs in Colorado

Settlement costs usually include:

  • Title Insurance (owner’s and lender’s policies).

  • Escrow/Settlement Fees.

  • Loan-related fees (if financing).

  • Recording Fees.

  • Prorated Taxes or HOA dues.

On average, settlement costs in Colorado run 2–5% of the purchase price.


Why the Right Title Company Matters for Settlement

The settlement is where everything becomes official. A strong title company ensures:

  • Funds are handled securely.

  • Documents are accurate.

  • County recording is completed without delays.

  • Buyers and sellers understand every step.


Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado provide settlement services that stand out because they offer:

  • Experienced escrow officers to guide the process.

  • Local expertise across Colorado counties.

  • Transparent cost breakdowns to avoid surprises.

  • Educational resources for buyers and agents.

  • National backing for financial security.


Real-Life Examples

  • A Denver buyer closed seamlessly after Chicago Title coordinated between lender and county.

  • A Colorado Springs seller praised how clear the settlement statement was.

  • An agent in Boulder used Chicago Title’s settlement process checklist to prepare clients.


Conclusion

So, what is a Colorado real estate settlement?

It’s the official final step where ownership changes hands. With Jerad Larkin and Chicago Title Colorado, buyers, sellers, and agents can trust that every detail is handled smoothly and securely.


Questions? Contact:

Questions? Contact Jerad Larkin at Chicago Title Colorado.

📞 303.630.9430

Or subscribe at MileHighTitleGuy.com for tools, resources, and exclusive real estate event invites.

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