Right of Redemption After Foreclosure, by State (2026)
Whether each state lets homeowners buy back their home after the foreclosure sale, and for how long.
| State | Redemption after the sale |
|---|---|
| Alabama | Yes. After a foreclosure sale, the debtor, mortgagor, their spouses, children, heirs and certain others may redeem within 180 days from the sale for residential property on which a homestead exemption was claimed in the tax year of the sale, or within one year for all other property. To redeem, the person must pay the purchase price with interest plus lawful charges (such as permanent improvements, taxes, insurance and certain liens). A redeeming party may make a written demand for an itemized statement of charges, which the purchaser must provide within 10 days. The right to redeem is lost if the debtor or mortgagor fails to give up possession within 10 days after the purchaser's written demand. Ala. Code §§ 6-5-248, 6-5-251, 6-5-252, 6-5-253 |
| Alaska | After a nonjudicial trustee's sale, the borrower has no right to redeem unless the deed of trust says so; the sale ends the borrower's rights in the property. After a court-ordered foreclosure sale, the property may be redeemed like property sold on execution: the borrower may redeem before the court confirms the sale, or within 12 months after the order confirming the sale, by paying the purchase price plus 8% annual interest and certain taxes and expenses. Alaska Stat. §§ 34.20.090(a), 34.20.080(i), 09.45.190, 09.35.250 |
| Arizona | After a trustee's sale, there is no right of redemption: the trustee's deed conveys the property "absolute without right of redemption." After a court-ordered (judicial) foreclosure sale, the owner may generally redeem within six months after the sale, or within 30 days if the court found the property was abandoned and not used mainly for farming or grazing. Ariz. Rev. Stat. §§ 33-811(E), 12-1282 |
| Arkansas | After a non-judicial sale under the Statutory Foreclosure Act, there is no right of redemption. After a court-ordered foreclosure sale, the borrower (or heirs) may redeem within one year from the sale by paying the sale price with interest and the costs of foreclosure and sale, unless the borrower waived redemption in the mortgage or deed of trust. Ark. Code Ann. §§ 18-50-108(b), 18-49-106 |
| California | After a judicial foreclosure sale where redemption applies, the owner may redeem within three months after the sale if the sale proceeds covered the debt, interest and costs, or within one year if they did not. The California statutes reviewed do not provide a general post-sale redemption right after a lender's trustee's sale, but a nonjudicial foreclosure by a homeowners' association is subject to a 90-day right of redemption. Cal. Code Civ. Proc. § 729.030; Cal. Civ. Code § 5715 |
| Colorado | Colorado's foreclosure redemption statutes give redemption rights to junior lienors (who must file a notice of intent to redeem within eight business days after the sale), not to the owner. A county public trustee states that foreclosures started in 2008 and later do not allow owner redemptions. If no lienor redeems, title vests in the certificate holder at the close of business eight business days after the sale. C.R.S. §§ 38-38-302, 38-38-501; Gilpin County Public Trustee, The Foreclosure Process |
| Connecticut | In a strict foreclosure, the owner keeps an "equity of redemption" and may redeem by paying the debt on or before the owner's law day set by the court. When the law day passes without payment, the right to redeem is cut off and title becomes absolute in the lender or redeeming lienholder. A strict-foreclosure judgment generally cannot be reopened after title has become absolute, except in limited cases where all parties agree within set time limits. Conn. Gen. Stat. § 49-15; Connecticut Judicial Branch Law Libraries, Foreclosure research guide |
| Delaware | The statute provides that the buyer at a confirmed sheriff's sale in a mortgage foreclosure holds the property "discharged from all equity or redemption" and from encumbrances made by the borrower. The Delaware mortgage foreclosure statutes reviewed do not provide a post-sale redemption period. 10 Del. C. § 5066 |
| Florida | There is no right of redemption after the sale. The right to redeem ends when the clerk files the certificate of sale (or at a later time if the judgment says so); the statute says that "otherwise, there is no right of redemption." Fla. Stat. § 45.0315 |
| Hawaii | For a nonjudicial power-of-sale foreclosure, the required public sale notice states that there is no right to cure the default or any right of redemption after the deadline of three business days before the sale. Haw. Rev. Stat. § 667-27(b) |
| Idaho | After a trustee's sale, people who were given notice have no right to redeem the property from the buyer. After a court-ordered sale, the judgment debtor may redeem within six months after the sale for a tract of 20 acres or less, or within one year for a tract of more than 20 acres, by paying the purchase price plus interest and certain taxes and assessments. Idaho Code §§ 45-1508, 11-402 |
| Illinois | For residential real estate, the owner may redeem (pay off the amount due) until the later of 7 months after all mortgagors are served or otherwise submit to the court, or 3 months after the judgment of foreclosure. The redemption period also cannot end before the reinstatement period expires. For other property the 7 months is 6 months. Redemption must occur during this period, which runs before the judicial sale. 735 ILCS 5/15-1603 |
| Indiana | Before the sheriff's sale, any owner or part owner may redeem the property from the judgment by paying the judgment, interest and costs to the clerk (before the judgment goes to the sheriff) or to the sheriff (after). If the owner redeems, the sale may not go forward. The pre-suit notice must tell borrowers about this right to redeem before the sheriff's sale. Ind. Code §§ 32-29-7-7, 32-30-10.5-8(a) |
| Iowa | After a sheriff's sale, the debtor may generally redeem within one year from the day of sale and may keep possession in the meantime; the first six months are exclusive to the debtor. The mortgage may shorten this to six months (or three months for non-farm property) on tracts under ten acres if the lender waives any deficiency judgment, or to 60 days if the court finds the property abandoned and the lender waives a deficiency. If the lender elects foreclosure without redemption on non-farm property, there is no redemption after the sale. Iowa Code §§ 628.3, 628.26, 628.27, 654.20 |
| Kansas | After the sheriff's sale, the owner may generally redeem within 12 months by paying the amount paid by the certificate holder plus allowed expenses, interest, costs and taxes, and keeps possession during that time; the first three months are exclusive to the owner. However, if the default occurred before one-third of the original debt was paid, the court orders a three-month redemption period (which the court may extend by three more months if the owner involuntarily loses their main source of income after the sale); if all liens total less than one-third of the property's market value, the period is 12 months. The court may shorten or end the period if the property is abandoned or not occupied in good faith. Mortgages on agricultural land or on a one- or two-family home that is an individual's residence cannot shorten or waive redemption. K.S.A. 60-2414(a), (b), (m) |
| Kentucky | If a home sold under a court judgment or order does not bring two-thirds of its appraised value, the owner may redeem it within six months from the day of sale by paying the purchase price plus 10% per year interest and the buyer's reasonable post-sale costs for maintenance or repair (such as utilities, insurance, association fees, taxes and nuisance-code work). The money is paid to the clerk of the court, and the master commissioner then deeds the property back. While the redemption right exists, the buyer still gets immediate possession and a deed subject to the owner's right to redeem. If the sale brings at least two-thirds of the appraised value, this statute gives no redemption right. KRS 426.530 |
| Maine | Yes, before the sale. After a foreclosure judgment, the owner may pay the amount the court found due, with interest, within the redemption period: 90 days from the judgment for mortgages signed on or after October 1, 1975 (one year for older mortgages unless the mortgage says otherwise), starting when the judgment is entered if no appeal is taken. For a primary home, a writ of possession cannot issue until the redemption period ends. The sale happens only after the redemption period expires. 14 M.R.S. §§ 6322, 6323 |
| Massachusetts | After a default, the owner may redeem the mortgaged property unless the lender has held possession after an entry for 3 years, or unless the property has been sold under the mortgage's power of sale. In other words, the right to redeem ends at a power-of-sale foreclosure sale; the statute does not provide a redemption period after that sale. Mass. Gen. Laws ch. 244, §§ 1, 18 |
| Michigan | Yes. After a foreclosure sale by advertisement, the borrower (or heirs, or anyone with a recorded interest claiming under the borrower) can void the buyer's deed by paying the sale bid plus interest at the mortgage rate, the sheriff's fee, and certain taxes, insurance and association dues the buyer paid. For a mortgage signed on or after January 1, 1965, on a home of 1 to 4 units, the redemption period is 6 months if the amount claimed due when the foreclosure notice was given was more than 66-2/3% of the original loan; otherwise it is generally 1 year from the sale. It is 1 month for an abandoned 1-to-4-unit home (abandonment is presumed only after required notices and an affidavit), 6 months for commercial property or residential property over 4 units, and 1 year for agricultural property. The buyer must record an affidavit stating the exact amount needed to redeem and the redemption deadline. The redemption right can be cut off early if the buyer wins a court case for possession because the property is being damaged. MCL 600.3240, 600.3241, 600.3238 |
| Minnesota | Yes. After a sheriff's sale, the homeowner may redeem by paying the sale price plus interest at the mortgage rate (6% if no rate is stated in the certificate of sale) and certain other allowed amounts. The usual period is 6 months after the sale. It is 12 months in listed situations, including when the amount claimed due at the notice of sale was less than 66-2/3% of the original principal, for certain larger or agricultural parcels, for mortgages signed before July 1, 1967, and for reverse mortgages. It can be shortened to five weeks if the homeowner postpones the sale under § 580.07 or a court finds the property abandoned. The owner can stay in the home during the redemption period. Minn. Stat. §§ 580.23, 580.07, 580.041 |
| Missouri | Limited. After a trustee's sale, the borrower (or heirs or assigns) can redeem within one year of the sale only if the property was bought by the lender (the holder of the debt) or someone buying for the lender. To keep this right, the borrower must give written notice of intent to redeem at the sale or within 10 days before the advertised sale date, and must post a bond approved by the circuit court within 20 days after the sale. To redeem, the borrower must pay the debt, interest, taxes, prior liens paid by the buyer, and the costs of sale. If no bond is given, there is no statutory redemption. Mo. Rev. Stat. §§ 443.410, 443.420, 443.430, 443.440 |
| Montana | It depends on the type of foreclosure. A trustee's sale of a trust indenture under the Small Tract Financing Act conveys the property without any right of redemption. For court-ordered (judicial) sales and power-of-sale mortgages other than trust indentures, the redemption rules for execution sales apply: the debtor or a junior lienholder may redeem within 1 year after the sale by paying the purchase price with interest, plus taxes, assessments, and reasonable repair and maintenance costs the buyer paid. During the redemption period, a buyer at a mortgage foreclosure is not entitled to possession against a debtor who personally lives in the home with family. Mont. Code Ann. §§ 71-1-318, 71-1-228, 71-1-229, 25-13-801, 25-13-802 |
| Nebraska | There is no redemption after a trustee's sale: the trustee's deed conveys the property without any right of redemption, and the owner's rights end when the trustee accepts the highest bid. In a court (judicial) foreclosure, the owner can redeem at any time before the court confirms the sale by paying into court the amount of the decree with interest and costs (plus 12% interest on the purchase price to a buyer who was not the plaintiff). Neb. Rev. Stat. §§ 76-1010, 25-1530 |
| Nevada | There is no right of redemption after a trustee's sale: the sale vests title in the buyer without equity or right of redemption. After a court-ordered sheriff's sale (which is conducted like an execution sale), the judgment debtor or a redemptioner may redeem within 1 year after the sale by paying the purchase price plus 1% per month, and any taxes, assessments, or prior-lien payments the buyer made, with interest. Nev. Rev. Stat. §§ 107.080(5), 40.430(4), 21.210 |
| New Hampshire | Before foreclosure, a borrower may redeem mortgaged land after a default by paying (or legally tendering) everything the mortgage secures plus damages and costs caused by the default. Once the foreclosure deed and affidavit are recorded, title passes to the buyer free of interests that do not have priority over the mortgage. N.H. Rev. Stat. Ann. §§ 479:18, 479:26 |
| New Jersey | According to the New Jersey Courts, after the sheriff's sale the borrower has 10 days to redeem the property (pay off the debt). If the borrower does not redeem within that time, the sale proceeds are used to pay what is owed on the mortgage, and any money left over goes to the borrower. New Jersey Courts, Foreclosure Self-Help |
| New Mexico | Yes. After a court-ordered foreclosure sale, the former owner (first) or a junior mortgagee or lienholder may redeem within nine months from the date of sale by paying the buyer the sale price plus 10% annual interest, taxes and certain other payments, or by filing a petition for redemption in the foreclosure case and depositing that amount with the court clerk. The "date of sale" is the date the court order confirming the special master's report is filed. The mortgage may shorten the period to as little as one month, but the court may extend it back up to nine months. After a trustee's sale under a deed of trust, the redemption period is nine months or the shorter period in the deed of trust (not less than one month), running from the date of the trustee's sale. NMSA 1978, §§ 39-5-18, 39-5-19; § 48-10-16 |
| New York | There is no right to redeem the home after the foreclosure sale. The New York Department of Financial Services states that after the sale, "you have no right of redemption." N.Y. Dept. of Financial Services, If You Fall Behind on Your Mortgage Payments |
| North Carolina | After a power-of-sale foreclosure sale, anyone may file an upset bid (at least 5% higher, minimum $750) within 10 days after the report of sale or the last upset bid. If no upset bid is filed in that period, the rights of the parties to the sale become fixed. Until then, the owner can stop the sale by paying the full secured debt and the sale expenses. N.C. Gen. Stat. §§ 45-21.27, 45-21.29A, 45-21.20 |
| North Dakota | Yes. A party to the foreclosure action (or a successor) may redeem within 60 days after the sheriff's sale, except for abandoned property and agricultural land. Agricultural land may be redeemed within 365 days after the summons and complaint are filed (or the first publication of notice by advertisement), but not earlier than 60 days after the sale. The owner has the first right to redeem by paying the sale bid plus interest at the mortgage rate. During the redemption period the owner is generally entitled to possession of the property. N.D.C.C. §§ 32-19-18, 32-19-06 |
| Ohio | Ohio's statutory redemption right ends when the court confirms the sale: until confirmation, the debtor may redeem by paying the judgment, costs and 8% annual interest on the purchase money from the sale date. Ohio Rev. Code § 2329.33 |
| Oklahoma | In a power-of-sale foreclosure, the notice of sale must advise the homeowner of the right to redeem the property by paying all principal, interest and other sums secured by the mortgage to the lender before the deed is executed and delivered after the sale. 46 O.S. § 45(A) |
| Oregon | After a nonjudicial trustee's sale, a person whose interest was foreclosed may not redeem the property. After a court-ordered (execution) sale, the judgment debtor generally may redeem within 180 days after the sale, and lien claimants within 60 days. ORS 86.797(1); ORS 18.964 |
| South Dakota | Yes. Everyone entitled to redeem has one year from the date of the foreclosure sale to redeem, except for a "short-term redemption mortgage," which has a 180-day redemption period. SDCL § 21-52-11 |
| Tennessee | Real estate sold for debt is redeemable for two years after the sale when it is sold under execution, under a court decree (unless the court orders a credit sale with no right of redemption), or under a deed of trust or mortgage without a court judgment. However, for a non-judicial sale, the two-year right does not apply if the deed of trust or mortgage expressly waives it; a waiver of the "equity of redemption" or similar words is enough. Tenn. Code Ann. §§ 66-8-101, 66-8-102 |
| Texas | There is no general right to redeem a home after an ordinary mortgage foreclosure sale. According to the Texas State Law Library, the right of redemption in Texas is only available for specific kinds of foreclosures, such as certain property tax lien foreclosures and property owners' (or condominium) association assessment lien foreclosures. Texas State Law Library, Foreclosure guide (After the Sale: Right of Redemption) |
| Utah | After a nonjudicial trustee's sale, the trustee's deed conveys the property to the buyer without a right of redemption. After a court-ordered (judicial) foreclosure sale, the property may be redeemed within 180 days after the sale by the defendant or a junior lienholder. Utah Code § 57-1-28(3); Utah R. Civ. P. 69C(d) |
| Vermont | Vermont's redemption period comes after the court's judgment and before any sale. For an owner-occupied principal residence or farmland, it is six months from the date of the decree unless the court orders a shorter time, considering factors such as equity in the property, unpaid taxes and the property's condition. The homeowner can still redeem up to the public sale by paying the full judgment amount and post-judgment costs. 12 V.S.A. §§ 4946(b), 4949 |
| Washington | After a non-judicial trustee's sale, no one has any right to redeem the property. After a judicial foreclosure sale, the borrower (or another redemptioner) may redeem within one year after the sale, or within eight months if the mortgage states the property is not used mainly for farming and the lender expressly waived a deficiency judgment in its complaint, unless redemption rights were cut off under RCW 61.12.093 and following. RCW 61.24.050(1); RCW 6.23.020(1) |
| Wisconsin | Wisconsin's redemption right runs before the sale, not after it: the homeowner may redeem at any time before the foreclosure sale by paying the full judgment amount, interest, costs and taxes paid by the lender. The waiting period between judgment and sale (see foreclosure_timeline) is the time available to redeem. Wis. Stat. §§ 846.13, 846.10(2) |
| Wyoming | Yes. After a sale by execution, court decree of foreclosure, or foreclosure by advertisement, the owner (or heirs, assigns or guarantors) may redeem within three months after the sale by paying the purchase price plus 10% annual interest from the sale date, plus any taxes, assessments and prior-lien payments the buyer made, with interest. For mortgages on agricultural real estate (as defined, generally a parcel over 80 acres outside city limits and subdivisions), the period is 12 months. If the owner does not redeem, junior lienholders and judgment creditors may redeem within 30 days after the owner's period ends. Wyo. Stat. §§ 1-18-103, 1-18-104 |
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.