New York Foreclosure Deadline Calculator
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.
The law, citations & how we calculate this — for New York
New York uses a judicial foreclosure process. The mandatory settlement conference is court-scheduled within 60 days after the lender files proof of service (CPLR 3408) — the homeowner receives the date by mail and cannot compute it from their own papers. Foreclosure is paused for negotiation while conferences are ongoing.
Can I catch up on payments and keep my home in New York?
Reinstating (paying arrears, fees, and costs — not the full balance) before final judgment usually depends on your mortgage contract's reinstatement clause; New York has no general statutory right to reinstate a fully accelerated loan. Even after judgment but before sale, RPAPL §1341 lets the borrower pay the amount due plus costs into court to stay the sale (best suited to non-fully-accelerated situations); paying the full judgment stops the sale outright. The standard mortgage contract's reinstatement clause also applies. RPAPL §1341; contractual reinstatement clause; see NY DFS Consumer Bill of Rights
Can I get my house back after a foreclosure sale in New York?
Before the sale: Equitable right of redemption until the moment of the foreclosure auction: pay the full judgment/loan balance plus interest and costs any time before the sale.
After the sale: NONE. New York has no statutory post-sale redemption for mortgage foreclosures — once the referee's hammer falls, the right is extinguished. RPAPL Art. 13 · https://www.nolo.com/legal-encyclopedia/if-i-lose-home-foreclosure-new-york-can-i-back.html
Until when can I sell my home during foreclosure in New York?
Until the foreclosure auction itself. Because NY foreclosures average ~5 years, homeowners typically have years — from the 90-day notice through the settlement conferences to the post-judgment sale date — to sell, pay off the debt at closing, and keep the equity. After the auction there is no redemption, only a claim to surplus sale proceeds if the bid exceeded the debt.
Want the fuller picture beyond the dates? Read the New York foreclosure guide — timeline, rights & options.
If property taxes are unpaid instead
Property-tax (in rem) foreclosure: redemption expires 2 YEARS after the lien date, but the taxing district may extend this to 3 or 4 years for residential or farm property by local law (RPTL §1111), and a later date in the published foreclosure notice controls. Varies by county/city — check the local enforcing officer. (NYC and some counties use different lien-sale systems.) RPTL §1110; RPTL §1111
How long does foreclosure take in New York?
Practitioner estimate: among the slowest states — ATTOM Q4 2025 average ~1,910 days (~5 years); even uncontested cases commonly run 1.5–3 years from the 90-day notice to auction, with mandatory settlement conferences adding months at the front. (Practitioner estimate, not a statute.)
Servicemembers
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.