What is the Closing Process for a Home Purchase in Colorado?

Jerad Larkin
Oct 7
3 min read

Introduction: The Final Step in Buying a Home

If you’re preparing to buy a home in Colorado, you might be asking: “What does the closing process look like for a Colorado home purchase?”

The closing is the final step in a real estate transaction - where ownership officially transfers from seller to buyer. While it’s an exciting milestone, it can also feel overwhelming if you don’t know what to expect.

Learn the closing process for a Colorado home purchase. Jerad Larkin and Chicago Title Colorado explain each step for buyers, sellers, and agents.

In this guide, we’ll break down the Colorado home closing process step by step, explain the role of a title company, and show you how Jerad Larkin and Chicago Title Colorado help buyers, sellers, and agents navigate closings smoothly across Denver, Colorado Springs, and the Front Range.

Step 1: The Purchase Contract is Signed

Once a buyer and seller agree on price and terms, both parties sign a purchase contract. In Colorado, this contract outlines:

Purchase price
Deadlines for inspections, financing, and appraisal
Closing date
Who pays for title insurance and other fees

At this point, the title company begins preparing for the transaction.

Step 2: Title Search & Title Commitment

The title company conducts a title search to uncover:

Outstanding liens
Unpaid taxes
Judgments
Ownership disputes

If no issues are found, the title company issues a title commitment, which is essentially a promise to provide title insurance once all conditions are met.

Step 3: Escrow Services

The title company also acts as the escrow agent, safely holding:

Earnest money deposits
Loan funds
Down payments

Funds are only released once all contract obligations are satisfied.

Step 4: Loan Processing & Appraisal

For buyers using financing, the lender finalizes loan approval and requires an appraisal to confirm the home’s value. The title company works alongside the lender to prepare final figures for the closing statement.

Step 5: Preparing the Closing Disclosure

The title company prepares a closing disclosure, which details all costs of the transaction, including:

Loan fees
Title insurance cost in Colorado
Escrow fees
Property taxes
Recording fees

This must be provided to the buyer at least three days before closing.

Step 6: Signing Closing Documents

On closing day, buyers and sellers sign documents such as:

The deed transferring ownership
The mortgage and note (if financing)
Loan disclosures
Settlement statement

Once all documents are signed, funds are distributed.

Step 7: Recording with the County

The title company records the deed and mortgage with the county clerk. This officially transfers ownership to the buyer.

At this point, the buyer gets the keys, and the seller receives their proceeds.

Why the Closing Process in Colorado Can Vary

While the steps are similar statewide, the experience may vary depending on whether you’re in:

Denver – Fast-paced market, high-value properties, more competitive negotiations.
Colorado Springs – Growing market with military relocations and new construction.
Front Range suburbs – More balanced pace with unique county requirements.

Having a title company with statewide expertise helps smooth out these differences.

How Chicago Title Colorado Simplifies the Closing

Jerad Larkin and Chicago Title Colorado provide:

Clear communication – Explaining each step of the closing.
Accurate timelines – Keeping buyers, sellers, and agents on track.
Educational resources – Helping agents prepare clients with confidence.
Trusted escrow services – Securely managing all funds.

With their guidance, the closing process becomes less stressful and more predictable.

Real-Life Examples

A Denver buyer avoided closing delays when Chicago Title quickly cleared a judgment discovered during the title search.
A Colorado Springs military family appreciated Chicago Title’s efficient escrow services during a tight relocation schedule.
A Front Range real estate agent gained repeat clients thanks to Chicago Title’s smooth and reliable closings.

Conclusion

So, what is the closing process for a home purchase in Colorado?

It’s a series of carefully coordinated steps - from title search to escrow to signing and recording - all designed to protect both buyer and seller. With Jerad Larkin and Chicago Title Colorado, you gain a partner who ensures each step is handled with expertise and care.