Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Kansas uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No statutory arrears-only reinstatement — before judgment, reinstatement is contractual/servicing-rule based; before the sale you can pay the full judgment. Kansas's real protection is the post-sale redemption period, during which the owner keeps possession. K.S.A. 60-2414 (redemption; no cure provision)
Before the sale: Pay the judgment, interest, and costs any time before the sheriff's sale.
After the sale: REAL redemption: 12 months from the sale (3 months if <1/3 of the original debt was paid; possible 3-month hardship extension). Owner keeps possession, pays the SALE PRICE + interest + taxes/costs — and the redemption right is expressly ASSIGNABLE (can be sold). K.S.A. 60-2414
Through the last day of the redemption period — the homeowner keeps possession and can sell the home (or even sell/assign the redemption right itself, 60-2414(h)) and keep the equity above the redemption amount.
Want the fuller picture beyond the dates? Read the Kansas foreclosure guide — timeline, rights & options.
County tax foreclosure is judicial: the owner may redeem at ANY TIME BEFORE the tax-foreclosure sale by paying all taxes, interest, penalties, and a share of costs — but there is NO redemption after that sale. K.S.A. 79-2803
Practitioner estimate: ~3-6 months from filing to sheriff's sale if uncontested, then the 3- or 12-month redemption period — roughly 6-18 months total depending on how much of the loan had been paid. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.