Buyers typically pay 2%-4% of the purchase price in closing costs. On a $600,000 home, that’s $12,000-$24,000. Main line items: lender origination fee ($1,000-$3,000), appraisal ($500-$700 paid upfront), title insurance (~0.5% of purchase price), escrow/settlement fee ($800-$1,500), recording fees, prepaid property taxes, and first-year homeowner’s insurance.
Your lender must give you a Loan Estimate within 3 business days of application — compare this across 3 lenders since fees vary significantly. In the current market seller concessions toward buyer closing costs are much more negotiable than in 2021-2022. Full Denver buying guide.