Mile High Home Group – Welcome to Denver

Buying in Colorado stands out with no state transfer tax, strong down payment assistance like CHFA grants, and a 10-day buyer option period—features that ease entry compared to high-tax states like California, though HOAs and mountain lot complexities add unique layers in the Denver metro.

No Transfer Tax and Assistance Edge

After 15+ years in Denver real estate and thousands of transactions, I’ve contrasted Colorado’s buyer-friendly setup for clients from elsewhere. Unlike New York’s 0.4-1% transfer tax or Illinois’ stamps, Colorado skips it entirely—sellers cover deed fees only, saving buyers $2,400-$6,000 on $600K homes. CHFA programs grant 3-5% down ($18K-$30K) forgiven after 5 years, stacking unlike Texas’ limited aids. Highlands Ranch real estate ($700K ranches) leverages this for families near Mountain Vista schools; Littleton bungalows qualify too.

Eastern states tax more; Midwest lags grants.

Option Period and HOA Nuances

Colorado’s mandatory 10-day option ($100-$500 fee) lets buyers inspect and exit fully refundable—rarer than Florida’s due diligence or Arizona’s shorter windows, protecting against surprises like Littleton roof ages or Highlands Ranch HOA covenants ($150-$400 fees, 7-10 day reviews). Appraisals gap common (5%) due to rapid 4-6% appreciation; negotiations favor repairs over waivers, unlike seller-heavy California. Douglas County school verifications layer on; C-470 commutes test uniquely.

Flat terrain states skip drainage checks.

Practical Advice for Buyers and Sellers

Feature	Colorado	vs. CA/TX
Transfer Tax	0%	0.7%/None
Option Period	10 days	Variable/None
DPA Grants	$25K+	Limited

Buyers from out-state, embrace options—pre-approve CHFA, budget HOAs/schools; inspect sewers rigorously in Highlands Ranch villages.

Sellers, highlight no-tax appeal—disclose HOA docs early for cross-state bids.

My hands-on, concierge-level service contrasts your origin block-by-block, weighs school/HOA fits through market cycles, builds pricing from local sales, and negotiates relentlessly for seamless transitions. Clients are long-term relationships and friends, not transactions—integrity, honesty, transparency, and relentless work ethic bridge state gaps.

If Colorado buying differences intrigue—from Denver real estate, Littleton, Highlands Ranch—reach out anytime. I’m here for a no-pressure conversation and honest guidance tailored to the Colorado housing market.