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.
Minnesota uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Statutory reinstatement: pay arrears (principal + interest actually in default), delinquent taxes/insurance, costs of publication/service, and limited attorney fees at any time before the sale; the mortgage is fully reinstated and the foreclosure abandoned. Minn. Stat. 580.30
Before the sale: Reinstate for arrears only (580.30) or pay off in full any time before the sale; notice of sale must be published 6 weeks and served on the occupant ≥4 weeks before the sale (580.03).
After the sale: REAL redemption: 6 months from the sheriff's sale for the typical home (12 months ag/>10 acres/reverse mortgages; 5 weeks if abandoned). Owner keeps possession and redeems for sale price + interest (580.23; 582.03). Minn. Stat. 580.23 · Minn. Stat. 580.30 · Minn. Stat. 582.032
Through the last day of the redemption period — the homeowner retains title and possession after the auction and can sell the house during redemption, pay the (sale-price-based) redemption amount at closing, and keep the surplus equity.
Want the fuller picture beyond the dates? Read the Minnesota foreclosure guide — timeline, rights & options.
Property taxes: after the county gets a tax judgment, the owner generally has THREE YEARS from the tax-judgment sale to redeem before absolute forfeiture to the state (shorter 1-year periods for certain targeted/non-homestead classes). Minn. Stat. 281.17; ch. 281-282
Practitioner estimate: ~2-3 months from first publication to sheriff's sale (after any pre-foreclosure notice/mediation requirements), then the 6-month redemption — roughly 8-9 months from start to move-out for a typical owner-occupant. (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.