How long after a foreclosure do I have to move out?
There is no single federal number of days for how long after foreclosure you have to move. The CFPB says move out timing depends on your state, and each state has its own foreclosure and eviction process after the sale. In Indiana and Ohio, court confirmation, redemption, writs, or eviction papers may matter. Tenants may have separate federal notice rights.
Key facts
- The CFPB says each state has its own process for foreclosure and for eviction after the foreclosure sale.
- Indiana foreclosure sales are without right of redemption after the sale.
- Ohio judgment debtors may redeem at any time before confirmation of the sale.
- Federal law says a bona fide tenant gets at least 90 days notice to vacate.
Selling in Indiana, Ohio, Wisconsin, Tennessee or Georgia? Get a written cash offer in 24 hours, no obligation.
Get my cash offerThe sale is not always the physical move out day
The CFPB says each state has its own process for foreclosure and for eviction after the foreclosure sale. That means your move out date is tied to your state, the sale papers, and any later court papers, not one national deadline.
This page is about what happens after the foreclosure sale. For the before sale question, see can you sell a house in foreclosure. HUD says foreclosure, eviction, and homeless counseling are always free.
State by state quick view
The table gives the main after sale step in each state covered here. It is not your personal court date, because a judge, clerk, sheriff, or local court may still issue the paper that controls your case.
| State | What happens after the foreclosure sale | Move out point to watch |
|---|---|---|
| Indiana | Indiana Trial Rule 69 refers to a foreclosure or execution sale of realty that is not confirmed by the court. Indiana foreclosure sales are without right of redemption after the sale. | Indiana Trial Rule 70 allows a writ of execution, assistance or order directing the sheriff or other enforcement officer to deliver possession. |
| Ohio | Ohio law ties confirmation to a thirty day period after return of the writ. Ohio judgment debtors may redeem at any time before confirmation of the sale. | Ohio Revised Code 1923.02 covers people subject to forcible entry and detainer in sales of real estate, on executions, orders, or other judicial process. Ohio Revised Code 1923.13 says the writ can cause the defendant to be removed from the premises. |
Indiana and Ohio have court steps after sale
In Indiana and Ohio, the sources covered here describe court confirmation, redemption, or writ steps after a foreclosure sale. Those steps matter because a sale date alone may not be the last paper in the process. For the timing before the sale, see when it is too late to stop foreclosure.
Indiana is strict after the sheriff's sale. Indiana appellate authority says property owners are entitled to redeem their property up to the date on which their property is sold by the sheriff. Indiana Trial Rule 69 also says the sale is without right of redemption after the sale.
Ohio has a different redemption point. Ohio judgment debtors may redeem at any time before confirmation of the sale. After the sale is confirmed, possession can move into the forcible entry and detainer process if someone remains in the home.
Renters may have more time than former owners
Federal tenant protection is different from former owner possession. Under the federal Protecting Tenants at Foreclosure Act, a bona fide tenant gets notice to vacate at least 90 days before the effective date of that notice.
The rule does not treat the borrower, or the borrower's child, spouse, or parent, as the protected tenant under that contract. So a former homeowner living in the home should not assume the renter rule applies to them.
Cash for keys is an agreement, not an eviction deadline
A cash for keys offer is a proposed agreement about moving out. The CFPB says this is sometimes referred to as a cash for keys agreement.
This kind of agreement may set a move date that is different from the court process. It does not erase court papers that have already been served unless the agreement says how those papers will be handled.
Credit report and housing help
The CFPB says foreclosure information generally remains in your credit report for seven years from the date of the foreclosure. The Fair Credit Reporting Act has a general seven year limit for other adverse credit information.
A credit report timeline is separate from the date you must move. If the sale has not happened yet, related before sale topics include can bankruptcy stop foreclosure. HUD says mortgage delinquency and default resolution counseling includes foreclosure counseling and workshops.
Frequently asked questions
Do I have to move out on the day of the foreclosure sale?
There is no single federal rule that makes every former owner leave on the sale day. The CFPB says each state has its own process for foreclosure and for eviction after the foreclosure sale.
Can I stay during a redemption period after foreclosure?
It depends on the state. Indiana redemption generally ends by the sheriff's sale, and Ohio redemption lasts until confirmation.
Do renters get 90 days after foreclosure?
A bona fide tenant gets at least 90 days notice to vacate under the federal Protecting Tenants at Foreclosure Act. The former borrower, and the borrower's child, spouse, or parent, are not treated as the protected tenant under that contract.
What is cash for keys after foreclosure?
Cash for keys is an agreement about moving out, often involving money in exchange for leaving by an agreed date. The CFPB says this is sometimes referred to as a cash for keys agreement.
How long does a foreclosure stay on my credit report?
The CFPB says foreclosure information generally remains in your credit report for seven years from the date of the foreclosure. The Fair Credit Reporting Act also has a general seven year rule for other adverse credit information.
Can a HUD housing counselor help after the sale?
HUD says foreclosure, eviction, and homeless counseling are always free. HUD also lists mortgage delinquency and default resolution counseling and workshops for foreclosure.
Sources
Checked against each source on November 3, 2026. This page is general information, not legal or tax advice.
- CFPB: How long after foreclosure starts will I have to leave my home? (Consumer Financial Protection Bureau)
- CFPB: If I lose my home to foreclosure, can I ever buy a home again? (Consumer Financial Protection Bureau)
- HUD: About Housing Counseling (U.S. Department of Housing and Urban Development)
- 12 U.S. Code § 5220 (Legal Information Institute, Cornell Law School)
- 15 U.S.C. §1681c (Office of the Law Revision Counsel, U.S. House of Representatives)
- Indiana Trial Rule 69 (Indiana Rules of Trial Procedure, Indiana Judicial Branch / Indiana Supreme Court)
- Indiana Trial Rule 70 (Indiana Rules of Trial Procedure, Indiana Judicial Branch / Indiana Supreme Court)
- Wells Fargo Bank, N.A. v. Tippecanoe Associates LLC (Court of Appeals of Indiana / Indiana Courts)
- Ohio Rev. Code 2329.31 (Ohio Laws / Ohio Revised Code)
- Ohio Rev. Code 2329.33 (Ohio Laws / Ohio Revised Code)
- Ohio Rev. Code 1923.02 (Ohio Laws / Ohio Revised Code)
- Ohio Rev. Code 1923.13 (Ohio Laws / Ohio Revised Code)
- Georgia Courts Landlord Tenant (Judicial Council of Georgia Administrative Office of the Courts)
- CFPB: What should I do if the house or apartment I'm renting goes into foreclosure? (Consumer Financial Protection Bureau)
Related seller questions
- Can you sell a house in foreclosure?
- When is it too late to stop foreclosure?
- How long does an eviction take?
- Can bankruptcy stop a foreclosure?