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.
Texas uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Statutory: at least 20 days to cure after the notice of default (residence only), by paying the missed payments and permitted fees. After that window closes and the loan is accelerated, Texas law gives no statutory reinstatement right — only what the deed of trust contract allows — though the borrower can always pay the FULL accelerated balance up to the moment of sale. Tex. Prop. Code §51.002(d)
Before the sale: Equitable right of redemption until the foreclosure sale: pay the full accelerated loan balance plus costs any time before the auction.
After the sale: NONE for mortgage (deed-of-trust) foreclosures. Statutory post-sale redemption in Texas exists only for property-tax sales (Tex. Tax Code §34.21) and HOA assessment foreclosures (Tex. Prop. Code §209.011, 180 days) — not lender foreclosures. Tex. Prop. Code §51.002 · Tex. Tax Code §34.21 · Tex. Prop. Code §209.011
Any time before the auction on the sale date (first Tuesday). If the home sells and closes before the foreclosure sale, the loan is paid off at closing and the owner keeps all remaining equity. The moment the auction hammer falls, that chance is gone — no buy-back period. With only 41 days minimum between default notice and sale, listing early is critical in Texas.
Want the fuller picture beyond the dates? Read the Texas foreclosure guide — timeline, rights & options.
After a property-TAX foreclosure sale: homestead (and agricultural) owners may redeem within 2 YEARS from the date the purchaser's deed is recorded, paying the bid amount plus costs plus a 25% premium in year one or 50% in year two. Non-homestead property: 180 days, 25% premium. Clock runs from deed recording, not auction day. Tex. Tax Code §34.21
Practitioner estimate: fastest major state — roughly 2–5 months from first missed payment to sale (ATTOM Q4 2025 average ~154 days). Federal servicing rules (12 C.F.R. §1024.41(f)) bar the first foreclosure notice until the borrower is 120+ days delinquent; after that the statutory minimum is just 20 days (cure) + 21 days (notice of sale) to the next first-Tuesday auction. (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.