Free tool
How much time do you have? The Texas foreclosure timeline, from your dates.
Texas foreclosures are non-judicial and fast. This tool turns the rules into earliest-possible dates from the date you enter, so you can see how urgent things are and when each option closes.
Results
Enter your numbers and press Calculate. Nothing here is an offer or an appraisal.
How it's calculated
The math, in plain language
Formula
- Federal servicing rules generally bar the first foreclosure notice or filing until the borrower is more than 120 days delinquent.
- Texas Property Code §51.002 requires written notice of default with at least 20 days to cure (many deeds of trust require 30), then written notice of sale at least 21 days before the sale.
- Sales occur on the first Tuesday of the month (or the next business day if that Tuesday is January 1 or July 4), between 10 a.m. and 4 p.m.
- Dates shown are the earliest the rules allow. Servicers often move slower; they cannot lawfully move faster.
Assumptions and limits
- This is a rule-based estimate from the dates you enter, not your servicer's actual schedule. Only your servicer or the recorded notice can tell you the real sale date.
- Loss-mitigation applications, bankruptcy filings, active-duty military status, and certain loan types (e.g., home-equity loans, which require a court order in Texas) change the timeline.
- The tool does not model property-tax foreclosure, HOA foreclosure, or reverse-mortgage foreclosure, which follow different rules.
- This tool is for general planning only. It is not an offer, an appraisal, or legal, tax, or financial advice. Results depend entirely on the numbers you enter. If you have received a notice, talk to your servicer, a HUD-approved housing counselor (free), or a Texas attorney right away.
FAQ
Common questions
Can the sale really happen that fast?
In Texas, yes — the statutory minimums are short. In practice servicers often take longer, but you should plan around the earliest date, not the average.
What stops the clock?
Reinstating (paying the past-due amount), a completed loss-mitigation application submitted early enough, a bankruptcy filing, or a sale that pays off the loan before the auction. Each has its own rules and deadlines.
Can I sell right up to the sale date?
Only if closing can happen before the auction, which requires clear title and a title company that can move quickly. Contact us with your dates and we'll tell you honestly whether it's feasible.
Does this apply to property-tax foreclosure?
No. Tax foreclosure is a lawsuit with a judgment and a constable's sale, and it comes with a redemption period. See our delinquent-taxes guide.
Keep going
Related tools and guides
More free tools
- Cash offer vs. listing calculator
Side-by-side net proceeds: a cash offer today versus listing with an agent after costs and time.
- Cost to sell a house
Every common selling cost itemized — commission, closing, prep, concessions, holding — and your resulting net.
- Inherited house proceeds
From sale price to per-heir share after payoff, taxes, liens, estate costs, and selling costs.
Houston guides
- Before foreclosure
The Texas foreclosure timeline, the options to stop or avoid it, and how a pre-foreclosure sale works.
- Behind on property taxes
How Texas tax delinquency and tax foreclosure work in Harris County, and how a sale clears it.
- Sell my house fast
What actually makes a sale slow, and how a direct cash purchase removes those steps.
Want to discuss an actual offer?
The calculator uses your guesses. We use real comparable sales and a walkthrough. Enter the address — it's free and there's no obligation.