How much time do you have before a Texas foreclosure sale?

Texas foreclosure sales happen on one day a month. Enter the dates from your paperwork and see the calendar the statute allows, so you know how long you have to act.

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The rules the calendar follows

Under Texas Property Code section 51.002, a non-judicial foreclosure sale is a public auction held between 10 a.m. and 4 p.m. on the first Tuesday of the month, or the first Wednesday if that Tuesday is January 1 or July 4. The lender must give you notice of default and at least 20 days to cure before it gives notice of sale, and the notice of sale must be given at least 21 days before the sale.

The calculator adds those periods to the dates you enter and finds the next permitted sale day. Those are the earliest dates. A notice can name a later one.

What to do with the answer

Write the sale date on a calendar and work backward from it.
Call your servicer and ask what it would take to catch up, or whether a workout is possible.
Talk to a Texas attorney or a HUD-approved housing counselor about your rights.
If selling is on the table, a sale has to close before the auction to help. Tell any buyer your sale date the first time you talk.

When this calendar does not apply

Home-equity loans and reverse mortgages generally need a court order before the lender can foreclose, bankruptcy and active-duty military status can change what a lender may do, and your loan documents may give you more time than the statute does. This tool gives general information, not legal advice.

Sources

Questions about this tool

What day are Texas foreclosure sales held?

Between 10 a.m. and 4 p.m. on the first Tuesday of the month, or the first Wednesday when that Tuesday is January 1 or July 4.

How much notice does the lender have to give?

At least 20 days to cure the default before a notice of sale, then a notice of sale at least 21 days before the sale.

Can I still sell my house during foreclosure?

Usually yes, up until the sale. A sale can pay off the loan and protect any equity you have.

Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.