Free tool

California Foreclosure Timeline Calculator

See the dates in your trustee's-sale foreclosure process

California foreclosure of a standard home loan has no courtroom lawsuit: a trustee runs the sale under Civil Code §§ 2924 to 2924h, on a statutory calendar that starts with the recorded notice of default and ends with the trustee's deed. Enter the date of a missed payment — or pick a sale month — and this free calculator estimates each date in that process. In California, foreclosure of a deed of trust runs through a trustee's sale, not a court case: on the fastest lawful path the whole process takes roughly seven months — 200-plus days — from the first missed payment. Federal rules bar the first filing until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41), the servicer must first make the contact (or documented due-diligence attempts) and wait 30 days before a notice of default may be recorded (Civil Code § 2923.5), the notice of sale cannot follow until at least three months after the notice of default (§ 2924(a)(2)–(3)), and the sale itself requires at least 20 days of notice (§ 2924f). Those are minimums, not averages — loss-mitigation review, postponements, and bankruptcy routinely stretch the calendar — and your own notices control your dates. Reinstatement by paying only what is past due stays open until five business days before the sale (§ 2924c), and after a trustee's sale there is no redemption period at all.

First missed payment date (or the date of your servicer's breach letter)

Estimates use the date you enter and show statutory MINIMUMS, not averages — your notices control your dates. For most loans, federal rules bar the servicer from making the first foreclosure filing until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41), and before a notice of default may be recorded the servicer must first contact you — or satisfy the due-diligence rules for trying — and wait 30 days (Civil Code § 2923.5); servicers work that outreach inside the delinquency window, so if yours starts late, every date below moves later. Individual loans vary.

The alternative — sell before the sale

A California trustee's sale can follow roughly seven months after the first missed payment on the fastest lawful path — and after the sale there is no redemption period to fix things. A direct sale pays off the loan at closing through escrow and ends the process for this property. We will look at your house exactly as it sits and make a fair cash offer within 24 hours — free, with zero obligation.

Get my fair cash offer Call (844) 483-1067 Text (915) 277-7791

This page provides general information about California law for educational purposes only. It is not legal advice, and it does not create an attorney-client relationship. Laws and deadlines change, and your situation may be different. Before you sign anything or rely on any date or figure shown here, consult a licensed California attorney or a HUD-approved housing counselor about your specific circumstances.

Estimates only — these are statutory minimums, not averages, and your notices control your dates. Trustees set real sale dates inside the statutory windows, sales get postponed (by law, by agreement, for loss-mitigation review under Civil Code § 2923.6, for AB 2424 listing or purchase activity, or for bankruptcy), and individual loan terms vary. After a trustee's sale the owner has no redemption period at all — which is exactly why this calculator exists. If you would rather sell the house before the sale date, Wise Revival buys California houses directly for cash: no fees, no commissions, an offer in 24 hours, and closing on a date you pick — before the sale. We never charge for advice and we make no rescue promises: just a straightforward purchase offer you can accept or decline.

California Foreclosure Timeline Calculator

The alternative — sell before the sale

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