Co-buying
Buying a home together.
Partners, friends and relatives buy homes together. Here is how the loan, the deed and the agreement work.
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Every co-buyer signs the loan and goes on the deed. Choose joint tenancy or tenancy in common on the deed, then sign a co-ownership agreement that covers the money in, the monthly costs and the exit.
Everyone qualifies.
The lender counts every borrower's income, debts and credit.
Pick the ownership.
Joint tenancy or tenancy in common, written on the deed.
Put it in writing.
Money in, monthly costs, repairs and the buyout.
Two primary suites.
Separate suites, a guest house or an ADU give every owner space.
How does the loan work with two or more buyers?
- Combined income. The lender adds every borrower's income and debts.
- Credit scores. Ask your lender which borrower's score sets the rate.
- Down payment. Each buyer's share and source of funds is documented.
- One loan. Every borrower owes the full loan, not a share of it.
What home works for co-owners?
- Dual primary suites. Two suites with their own baths, on the main floor or upstairs.
- Guest house or casita. A separate living space on the same lot. Check the zoning before you buy.
- ADU. An accessory dwelling unit. Denver and each city set their own ADU rules.
- Room to spread out. Acreage and large-lot homes in Parker, Castle Rock and Evergreen.
What happens when one owner wants out?
- Buyout. The other owners buy the share at a price the agreement sets, such as an appraisal.
- Sale. The owners sell and split the proceeds by their shares.
- Refinance. The remaining owners refinance to take the departing owner off the loan.
- Partition. Without an agreement, a court decides. A written agreement prevents that.
This page explains how co-ownership works. It is not legal or tax advice. Talk to a Colorado real estate attorney before you choose how to hold title.
Quick answers
Questions co-buyers ask.
How do two people who are not married buy a home together in Colorado?
Both sign the loan and both go on the deed. The deed names the type of ownership: joint tenancy or tenancy in common. Put everything else in a written co-ownership agreement.
What is the difference between joint tenancy and tenancy in common?
Joint tenancy passes an owner's share to the other owners at death. Tenancy in common lets each owner leave their share to anyone and allows unequal shares, such as 60/40. A Colorado deed must say joint tenancy to create it. Ask a Colorado real estate attorney which one fits you.
What goes in a co-ownership agreement?
Who paid what at closing; who pays the mortgage, taxes, insurance and repairs; what happens when one owner wants out; and how the buyout price is set.
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Private consultation
Ask us about buying a home together.
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- Private showings on your schedule, including evenings and weekends.
- Off-market homes from the Kenna Real Estate Group's agent network.
- One point of contact from the first showing to the closing table.
Kenna Luxury Real Estate is a division of the Kenna Real Estate Group at Keller Williams DTC (KWDTC).