How to use the surplus funds claim deadline calculator
When a foreclosure sale brings more than the debt and costs, the difference is surplus. Junior lienholders and the former owner have to claim it within a limited window, and unclaimed money is eventually turned over to the state. Enter the sale date and the window your state allows to see the deadline and the days remaining.
Korean foreclosure law fixes a single statutory cut-off for filing distribution demands. There is no equivalent nationwide deadline in the United States. Foreclosure is state law, split between judicial sales supervised by a court and non-judicial trustee sales, so claim procedures come from state statutes — for example a petition to the court that confirmed the sale, or a trustee deposit followed by an interpleader action. Unclaimed balances then fall under state unclaimed property acts. This reflects the position as of September 2026.
Because the window varies widely, from about 30 days in some states to several years in others, the 60-day default is only a starting point. Check the statute for the county where the property sold, and act early: junior lien priority, not the order of claims, normally decides who is paid.
This calculator is for reference only and is not legal advice. Consult a licensed attorney about your specific situation.
Frequently asked questions
The money is usually transferred to the state unclaimed property office rather than lost outright, and you may still be able to recover it through that office. The process is slower and some states impose their own filing limits.
Junior lienholders are generally paid in order of recording priority, and any remainder goes to the former owner. Filing first does not move you ahead of a senior lien.