Revolutionizing · Modernizing · SimplifyingRevolutionizing · Modernizing · SimplifyingThe middle Colorado home sold for $570,000 over September 2025 to August 2026. 20% of that is $114,000; 3% of it is $17,100. Everything on this page is that arithmetic, run on prices homes actually closed at rather than on asking prices.
What this page will not do is tell you which rung you are allowed to use. Deposit minimums and mortgage-insurance rules belong to a lender, they change, and a page that repeats them as fact is the reason so much of this is wrong online. We publish the ladder; your lender picks your rung.
A deposit is not the same thing as the cash you need, and the sales say so. 21.4% of Colorado sales closed ABOVE the final asking price, by a median $8,220 - and where a price runs past what the home appraises for, that difference is cash, because a loan is sized to the appraisal rather than to the offer. The other side of it is the more common one: 52.5% of sales closed BELOW asking, by a median $15,000. What you agree to pay moves your deposit further than which percentage you pick.
| Deposit | What you put down | What is left to borrow |
|---|---|---|
| 3% | $17,100 | $552,900 |
| 5% | $28,500 | $541,500 |
| 10% | $57,000 | $513,000 |
| 20% | $114,000 | $456,000 |
Nobody buys the median home. Find the row nearest the one you are actually looking at - the deposit gap between two neighbouring bands is larger than most households save in a year.
| Where the home sits | Sales | Median sold price | 3% down | 5% down | 10% down | 20% down |
|---|---|---|---|---|---|---|
| Under $300k | 4,602 | $240,000 | $7,200 | $12,000 | $24,000 | $48,000 |
| $300k to $500k | 19,250 | $420,000 | $12,600 | $21,000 | $42,000 | $84,000 |
| $500k to $750k | 23,866 | $599,900 | $17,997 | $29,995 | $59,990 | $119,980 |
| $750k to $1M | 9,411 | $845,000 | $25,350 | $42,250 | $84,500 | $169,000 |
| $1M to $1.5M | 5,196 | $1,185,000 | $35,550 | $59,250 | $118,500 | $237,000 |
| $1.5M and up | 3,418 | $1,963,500 | $58,905 | $98,175 | $196,350 | $392,700 |
The eight cheapest of the twenty-five busiest markets in Colorado, by what homes actually sold for. Every one of them has its own page of the individual sales behind the median.
| Town | Sales | Median sold price | 3% down | 20% down |
|---|---|---|---|---|
| Greeley | 1,357 | $425,000 | $12,750 | $85,000 |
| Aurora | 5,632 | $470,000 | $14,100 | $94,000 |
| Colorado Springs | 2,845 | $474,000 | $14,220 | $94,800 |
| Johnstown | 765 | $490,900 | $14,727 | $98,180 |
| Commerce City | 1,196 | $497,250 | $14,918 | $99,450 |
| Loveland | 1,627 | $509,000 | $15,270 | $101,800 |
| Thornton | 1,768 | $523,250 | $15,698 | $104,650 |
| Brighton | 1,088 | $525,000 | $15,750 | $105,000 |
Your lender’s charges, the title company’s settlement and insurance charges, the appraisal, and the tax and HOA proration for the part of the year you own the home are all real and all somebody else’s figure. We name them and leave them blank rather than publish a range we cannot stand behind. Bring us the town and the price you are aiming at and we will walk the whole number through with you.
On a home at the current Colorado median sold price of $570,000, 20% is $114,000 and 3% is $17,100. Those are straight arithmetic on what homes actually sold for over September 2025 to August 2026, not on asking prices and not on an estimate.
That is a question for a lender, not for us, and we will not publish a rule that is theirs to set and theirs to change. What we can show you is what each rung costs in dollars at today’s prices, from 3% up, so you can see the size of the decision before you have the conversation. Our monthly-cost page runs the same ladder against a mortgage payment, so you can see what the smaller deposit costs you every month afterwards.
A deposit is not the same thing as the cash you need, and the sales say so. 21.4% of Colorado sales closed ABOVE the final asking price, by a median $8,220 - and where a price runs past what the home appraises for, that difference is cash, because a loan is sized to the appraisal rather than to the offer. The other side of it is the more common one: 52.5% of sales closed BELOW asking, by a median $15,000. What you agree to pay moves your deposit further than which percentage you pick.
Your lender’s own charges, the title company’s settlement and insurance charges, the appraisal, and the property tax and HOA proration for the part of the year you will own the home. Every one of those is set by somebody other than us, so this page names them and leaves them blank rather than inventing a percentage. The one Colorado charge that is fixed by statute is the documentary fee of one cent per $100, and on a sale that size it is $57.
And where you buy moves it more than either. 20% of the statewide median is $114,000. The same 20% on the median home in Greeley, one of the twenty-five busiest markets in the state, is $85,000 - a difference of $29,000 for the same percentage.
Yes. They are recomputed every fifteen minutes from roughly 65,743 closed residential sales across Colorado, and the moment they were last worked out is stamped at the foot of this page.
Tell us the town and roughly what you have saved, and we will show you what is on the market in that range now and what homes like them have actually been selling for.
Get your numbersEvery figure on this page is measured from our live MLS feed and recomputed every fifteen minutes - it is not a monthly snapshot, and the moment these figures were worked out is stamped at the foot of the page. Sales figures cover residential sales only, over the last twelve complete calendar months; rentals, land and commercial are excluded, as are fractional co-ownership shares, which are priced per share and would distort every median. Market data is deemed reliable but not guaranteed - talk to us before making a decision on it.
Deposit percentages on this page are a ladder we publish so a reader can find their own row. They are not loan-program minimums, no lender rule is quoted anywhere on this page, and nothing here is an offer of credit.
These figures were worked out from the live MLS feed at September 7, 2026 at 10:33 AM Mountain time, and are recomputed every fifteen minutes.