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Free Colorado Downsizing Planner: what your home is worth and what you can buy next

Thinking about downsizing in Colorado? The free Colorado Downsizing Planner from The Kenna Group at Keller Williams DTC answers the two questions every downsizer asks first: what will my home sell for, and what can I buy next with what I walk away with? You get a Smart Pricing Report on your current home, a net sheet at three prices, and a short list of ranch homes, patio homes, condos and 55+ communities that fit your numbers. For homeowners near me in the Denver metro, Colorado Springs and Northern Colorado.

$250K / $500Kfederal home-sale gain you can usually exclude, single / married filing jointly
2 of 5years you must own and live in the home to qualify
65+ & 10 yrsto qualify for the Colorado senior property tax exemption
24 hrsto get your free planner back

How the Downsizing Planner works

No pressure and no obligation. Many Colorado homeowners request it a year or more before they move so they can plan calmly.

1

Tell us about your home

Your address and a few details. We pull the closest recent sales and the homes you would compete against today.

2

Get your numbers

A Smart Pricing Report plus a net sheet at a quick-sale, market and premium price.

3

See your next home

Ranch homes, patio homes, condos and 55+ communities that fit your equity, budget and areas.

4

Pick your timeline

Stay, sell first, buy first or line up both closings. You decide when.

Downsizing math: what you walk away with

The number that buys your next home is simple: sale price, minus your loan payoff, minus selling and moving costs. Many long-time Colorado owners can buy a single-level home with cash or a small loan. Here is an example with round numbers. Your planner uses your home's real sales.

Example sale price$650,000
Loan payoff− $120,000
Commission, title, closing and prep (about 7%)− $45,500
Moving and set-up (example)− $6,500
Estimated cash to your next home$478,000
$478,000

In this example, that is enough to buy a $475,000 patio home or condo with cash, or to put a large down payment on a ranch home and keep a small payment. Example only, not a promise of value or proceeds.

Ranch, patio home, condo or 55+ community?

Each one trades yard, upkeep, stairs and HOA dues differently. These are the questions that decide it, before you fall for a kitchen.

R

Ranch home

A single-level house with your own yard and no shared walls.

  • Basement stairs to the laundry?
  • Snow and yard work are yours
  • Usually no HOA, or a small one
P

Patio home

Single-level living on a small lot, with the HOA handling snow and yard care.

  • What the HOA covers, in writing
  • Reserve study and dues history
  • Entry steps and garage step
C

Condo

The least upkeep and easy lock-and-leave, often with an elevator.

  • Elevator, parking and storage
  • Special assessments planned?
  • Rental and pet rules
55

55+ community

Age-restricted neighborhoods, often with a clubhouse and HOA-handled upkeep.

  • The community's age rule
  • Dues, amenities and what is included
  • Resale demand in that community
Home typeStairsOutside upkeepHOA duesCheck before you offer
Ranch homeMain-floor living; the basement may have stairsYouNone to lowLaundry location, roof age, sewer line scope
Patio homeSingle level; watch the entry and garage stepsThe HOA, usuallyModerateHOA reserves, what snow care covers
CondoNone in elevator buildingsThe HOAModerate to highAssessments, insurance, elevator age
55+ communityVaries by homeOften the HOAVariesAge rule, amenities, resale history

Stay or go? Six questions to answer first

Aging in place works for some homes and not for others. If you answer yes to three or more, a downsizing plan is worth a look.

Stairs. Are the bedroom or laundry up or down a flight of stairs?
Upkeep. Is snow, yard or roof work getting harder or costing more each year?
Space. Are two or more rooms used only for storage or holidays?
Costs. Have taxes, insurance and utilities climbed faster than you planned?
Equity. Is most of your savings tied up in the house?
Distance. Would you like to be closer to family, care or the things you do?

A 12-month downsizing timeline

Downsizing goes best as a plan, not a rush. Here is the order we walk Colorado homeowners through.

Months 12 to 9

Know your numbers

  • Request your Downsizing Planner
  • Ask your CPA about the home-sale exclusion
  • Gather purchase and improvement receipts
Months 9 to 6

Sort the stuff

  • One room a week: keep, family, sell, donate
  • Offer heirlooms to family early
  • Book an estate-sale company if needed
Months 6 to 3

Prep and pick

  • Small repairs that pay back
  • Tour ranch, patio, condo and 55+ options
  • Get pre-approved if you will finance
Months 3 to 0

Sell, buy and move

  • List at a price that sells
  • Line up both closings
  • Move with a floor plan of the new home

What to do with 30 years of stuff

The house is usually the easy part. The stuff is what stalls a move. A simple four-pile plan keeps it moving.

1

Keep

Measure the new home first. Keep what fits the rooms you will actually have.

2

Family

Set a date for family to claim items. Whatever is not picked up by then moves on.

3

Sell

Estate-sale companies, consignment and online marketplaces for furniture and collections.

4

Donate

Many Denver-area charities pick up furniture. Keep the receipts for your taxes.

Free seminar: Right-Sizing in Colorado

Bring your questions. We cover the downsizing math, the home-sale tax exclusion, a 12-month plan and how to buy before you sell, with time for Q&A. Coffee is on us. Seating is limited.

JAN13

Wednesday, January 13, 2027

10:00 to 11:30 AM
Keller Williams DTC, 6300 S Syracuse Way, Suite 150, Centennial

FEB10

Wednesday, February 10, 2027

10:00 to 11:30 AM
Keller Williams DTC, 6300 S Syracuse Way, Suite 150, Centennial

Downsizing questions we hear most

Is the Colorado Downsizing Planner really free?

Yes. It is the same Smart Pricing Report our sellers get, plus a net sheet and next-home options. There is no obligation.

Do I have to sell right away?

No. Many homeowners request it a year or more before they move, so they can plan calmly.

Will I owe tax when I sell my home?

Many owners will not. If you owned and lived in the home 2 of the last 5 years, you can usually exclude up to $250,000 of gain, or $500,000 if married filing jointly. Ask your CPA about your situation.

Can you help me buy the next home too?

Yes. We coordinate both sides, including lining up both closings or buying before you sell when the numbers allow.

Do you only help with 55+ communities?

No. We help with ranch homes, patio homes, condos, townhomes and 55+ communities across the Denver metro, Colorado Springs and Northern Colorado.

Is the planner an appraisal?

No. A Smart Pricing Report is a broker's opinion of price, not an appraisal, and cannot be used to obtain financing.

Get your free Downsizing Planner

Fill out the short form below. Your Smart Pricing Report, net sheet and next-home list usually arrive within 24 hours. Rather talk? Call or text 303-955-4220.

Get your free Downsizing Planner

Describe Your Property

By proceeding, you consent to receive calls, texts and voicemails at the number you provided (may be recorded and may be autodialed and use prerecorded and artificial voices), and email, from The Kenna Group at Keller Williams DTC about your inquiry and other home-related matters. Msg/data rates may apply. This consent applies even if you are on a do not call list and is not a condition of any purchase.

Disclosures

The Colorado Downsizing Planner is a free service of The Kenna Group at Keller Williams DTC (Keller Williams Realty DTC, LLC, 6300 S Syracuse Way, Suite 150, Centennial, CO 80111) for homeowners planning a downsize, a move to a single-level home, a patio home, a condo or a 55+ community in the Denver metro, Colorado Springs and Northern Colorado. A Smart Pricing Report is a broker's opinion of price prepared by a licensed real estate broker; it is not an appraisal and cannot be used to obtain financing (C.R.S. 12-10-602). Tax figures are general federal rules (IRS Section 121) and the Colorado senior property tax exemption rules as of 2026; ask a CPA about your own situation. Seminar seats are free and limited. Net sheets are estimates, not guarantees. We are real estate brokers, not attorneys, CPAs, financial planners or lenders; talk with your own advisors and a lender of your choice. If your home is listed with another broker, this is not a solicitation. Equal Housing Opportunity.