Capital Kings LLC

How much cash do I need to flip a house in Colorado?

About $61,883 on a $350,000 Colorado first flip with a $60,000 rehab at 720 credit, on our New Investor Program at 9.75%. That is the down payment and every closing cost. Plan to show $95,938 in the bank. With a few completed flips the cash drops to about $25,716 on 100% Financing, 2+ Flips.

Get my real numbers →See every dollar

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026

Rates as of October 2026

$350,000 house, $60,000 rehab, 720 credit, first flip

Cash to close, first flip

$61,883

Proof of funds$95,938
After a few flips, as low as$25,716

In short

The short answer, as of October 2026

First flip: 3 programs, from $61,883 to $70,005 to close, with as little as 10% down.
Down payment on New Investor Program: $43,750, plus $18,133 of closing costs.
Best rate on a first flip: 9.49% on Best Rate (700+ credit).
With 2+ completed flips: $25,716 to close on 100% Financing, 2+ Flips.

Capital Kings LLC is a broker, not a lender. We compare every file across 400+ lenders and send the term sheet with every fee on it before you sign.

Worked example

Every dollar, line by line

A $350,000 purchase, a $60,000 rehab and a $600,000 after repair value in Colorado, 720 credit. The real term sheet:

Cash to close$61,883

Proof of funds to show$95,938

Where the $61,883 goes

Down paymentEquity$43,750
Appraisal feeAppraiser$550
Prepaid interestLender$1,468
Origination and lender feesLender$4,412
Broker feeBroker$3,663
Closing / titleTitle co$4,145
Property insuranceInsurer$3,895

Proof of funds adds $34,055 that stays in your account: part of the rehab and six months of interest. The gold broker line is the only money Capital Kings earns.

A sample sheet for a made-up borrower, built the same way yours is. Yours takes about five minutes and doesn’t pull your credit.

The numbers

Compare the options

More down usually buys a lower rate, and a track record opens the low-down programs. Every program here is one we place in Colorado.

Your first flip in Colorado

Program	Rate	Down payment	Closing costs	Cash to close	Proof of funds
New Investor Program	9.75%	$43,750	$18,133	$61,883	$95,938
First Flip, 10% Down	9.99%	$41,000	$24,440	$65,440	$100,072
Best Rate	9.49%	$52,500	$17,505	$70,005	$103,168

$350,000 purchase, $60,000 rehab, $600,000 after repair value, 720 credit, no completed flips. Closing costs are origination, the lender’s fees, our 1% broker fee, title, insurance, the appraisal and prepaid interest. Proof of funds is cash you show in the bank on top of cash to close; it stays in your account. Rates as of October 2026.

After a few completed flips

Program	Rate	Down payment	Closing costs	Cash to close	Proof of funds
100% Financing, 2+ Flips	9.50% to 12.00%	$0	$25,716	$25,716	$63,954
5% Down, 3+ Flips	12.00%	$17,500	$23,180	$40,680	$80,430
5% Down, 5+ Flips	9.99% to 10.99%	$17,500	$23,182	$40,682	$77,469
7.5% Down, 3+ Flips	9.99%	$30,750	$22,957	$53,707	$88,851

The same deal. Each program names the completed flips it needs. Where a rate shows a range, the lender picks the rate inside that range for each file, and some of these programs verify more cash in your account than shown here. Rates as of October 2026.

How it works

Where the numbers come from

A fix and flip loan covers the purchase and the rehab on one loan. The purchase funds at closing; the rehab is released in draws as the work is inspected, and interest is charged only on what has been drawn.

Cash to close is the down payment plus the closing costs: origination, the lender’s fees, title, a year of insurance, the appraisal, prepaid interest and our 1% broker fee. On New Investor Program that is $43,750 down and $18,133 of closing costs, $61,883 in all.

Proof of funds is cash the lender wants to see in your account on top of what you bring to closing, so a slow sale or a late contractor does not stall the project. It is not spent at closing. On this deal it is $95,938 on New Investor Program.

We place investor loans in Colorado and 36 other states, comparing each deal across 400+ lenders. Business-purpose loans only.

Before you apply

Four things to check

Run the after repair value first.Every program caps the loan at a share of the after repair value, so the appraisal decides how much you bring.
Budget proof of funds, not just cash to close.On New Investor Program the lender checks $95,938 against $61,883 to close.
Count your completed flips.Programs that need a track record cut the cash to close to about $25,716 here.
Itemize the rehab.Draws are released line by line after inspection.

Price my deal →See every Colorado program Apply in about five minutes