Sellers in Denver typically pay 5%-8% of the sale price in total closing costs. On a $650,000 sale, that’s $32,500-$52,000. The breakdown: agent commissions (negotiable, typically 2.5-3% per side), title insurance for the owner’s policy (~0.4-0.5% of sale price), closing/settlement fee ($400-$800), recording fees ($50-$150), and prorated property taxes through closing.
Post-2024 NAR settlement, buyer’s agent compensation is negotiated separately and disclosed upfront — some sellers are offering 2-2.5% in the current market. Your net proceeds = sale price minus remaining mortgage balance minus closing costs. Ask your agent for a seller net sheet before you list — it shows exactly what you’ll walk away with at different sale prices.