Lakewood, Colorado Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Lakewood inherits the Jefferson County property-tax planning benchmark of about 0.55% for this west Denver metro market under Jefferson County levies with foothill and suburban price bands. On a $400,000 Lakewood example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $183/mo, for estimated PITI near $2,306 before PMI. Confirm the parcel's overlapping districts before treating escrow as final.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $160 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Lakewood, Colorado Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Colorado · Jefferson County
Lakewood inherits the Jefferson County property-tax planning benchmark of about 0.55% for this west Denver metro market under Jefferson County levies with foothill and suburban price bands. On a $400,000 Lakewood example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $183/mo, for estimated PITI near $2,306 before PMI. Confirm the parcel's overlapping districts before treating escrow as final.
Use this mortgage calculator for Lakewood, Colorado to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: city
- Configured property tax rate: 0.55%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Lakewood, Colorado
- Data level used: city. This page uses the most specific available data layer for Lakewood, Colorado.
- Configured combined annual property tax rate: 0.55% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: CHFA Down Payment Assistance.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Colorado Local Property Tax - 0.550%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- CHFA Down Payment Assistance - $25,000 (requires: first-time buyer, primary residence)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Colorado Documentary Fee, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Jefferson County, Colorado
Local home-purchase mortgage market context for Jefferson County, Colorado: in 2025 Home Mortgage Disclosure Act (HMDA) data, Jefferson County logged 10,209 final-action applications. The mortgage denial rate was 4.88% and the originated share was 72.85%.
These figures reflect the county market, not the city alone.
| Metric | Jefferson County | State |
|---|---|---|
| Final-action applications | 10,209 | 116,460 |
| Mortgage denial rate | 4.88% | 7.62% |
| Originated share | 72.85% | 70.04% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Lakewood (this page) | 0.55% | $183 | $2,306 |
| Adams County | 0.65% | $217 | $2,339 |
| Arapahoe County | 0.60% | $200 | $2,323 |
| Boulder County | 0.57% | $190 | $2,313 |
| Denver County | 0.55% | $183 | $2,306 |
| Douglas County | 0.62% | $207 | $2,329 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Lakewood, Colorado.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Colorado Department of Local Affairs property tax data, Colorado Department of Revenue documentary fee, Colorado Housing and Finance Authority down payment assistance. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- Colorado Department of Local Affairs property tax data - verified May 15, 2026 - Official source family for Colorado property-tax administration and local property-tax data.
- Colorado Department of Revenue documentary fee - verified May 15, 2026 - Official source for Colorado real estate transfer declaration and documentary fee guidance.
- Colorado Housing and Finance Authority down payment assistance - verified May 15, 2026 - Official CHFA source for Colorado homebuyer and down payment assistance programs.
Frequently Asked Questions
Why can Colorado property taxes vary by subdivision?
Many Colorado homes sit inside overlapping metro and special districts on top of county and school levies. Two houses in the same county can have materially different tax bills depending on the metro district stack. This statewide page uses a planning estimate; Denver, Boulder, and other county pages override local benchmarks for high-volume markets.
What Colorado buyer assistance is modeled?
The state file models CHFA down payment assistance as a conservative flat planning amount for eligible first-time buyers purchasing a primary residence. Program caps, income limits, and participating lenders change, so treat the modeled benefit as educational and confirm current CHFA terms before counting assistance in your cash-to-close budget.
What is a sample Colorado mortgage payment on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At a 0.55% statewide property-tax planning rate, tax escrow is about $183 per month; add $100 insurance for roughly $2,306 PITI without PMI. Metro district homes may escrow more—use the matching county calculator when available.
Why include Jefferson County?
Jefferson County covers Lakewood, Arvada, Golden, and other large west Denver suburbs. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Jefferson County mortgage calculator use?
Jefferson County uses a local planning benchmark of about 0.55% on this page. On a $400,000 home that is roughly $2,200 per year or $183 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.
What is a sample Jefferson County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.55% property tax, monthly escrow is about $183; with $100 insurance, estimated PITI is about $2,306 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
Do metro districts change Jefferson County tax bills?
Yes. Many Jefferson County homes sit in metro or special districts on top of the ~0.55% county planning benchmark. Two similar homes can escrow differently—use this calculator as a baseline, then check the listing's district stack. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Lakewood mortgage calculator use?
Lakewood uses the Jefferson County planning benchmark of about 0.55% on this page. On a $400,000 home that is roughly $2,200 per year or $183 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the local levy code on the address you are buying.
What is a sample Lakewood PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.55% property tax, monthly escrow is about $183; with $100 insurance, estimated PITI is about $2,306 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
What should Lakewood buyers watch besides the tax rate?
Jefferson County's ~0.55% planning rate is only the start—metro districts, HOA dues, and insurance can move monthly cost. Use this calculator for PITI, then compare Denver and nearby Jeffco cities on the same purchase price. Treat calculator results as planning estimates until you have a Loan Estimate and a parcel-specific tax bill.