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Texas foreclosure countdown — how many days until your auction?
Texas runs the fastest foreclosure process in the country. Enter your posted auction date and your county; we show you the runway, the courthouse where the sale will happen, and whether a cash close fits the timeline.
Upcoming first-Tuesday auctions
- Tuesday, June 2, 2026
- Tuesday, July 7, 2026
- Tuesday, August 4, 2026
Texas Property Code §51.002 sets the first Tuesday of every month, 10 a.m. to 4 p.m., as the foreclosure-auction window.
Enter your auction date to see your runway
Texas auctions happen on the first Tuesday of every month, 10 a.m. to 4 p.m., on the courthouse steps of the county where the property is located. Your Notice of Sale tells you the date.
This calculator is general information, not legal advice. Texas foreclosure law has real consequences — if you have a posted auction date and don't have a clear plan, talk to a Texas real estate attorney or HUD-approved housing counselor today.
How Texas foreclosure works
The 41-day minimum, the first Tuesday rule, and where the three notices land
Texas is a non-judicial foreclosure state. That means the lender does not have to file a lawsuit to take the property — once the borrower defaults and the cure window passes, the trustee can sell the home at auction. The mechanics are set by Texas Property Code §51.002.
- 20d
Right to reinstate
From the first Notice of Default, you have at least 20 days to bring the loan current — pay the missed payments, late fees, and allowable foreclosure costs. If you cure inside this window, the process stops.
- 21d
Notice of Sale period
After the cure window, the trustee posts the Notice of Sale at least 21 days before the auction. The notice must be posted in three places: the courthouse door, filed with the county clerk, and published online.
- 1st
First Tuesday auction
The sale is held on the first Tuesday of the month, between 10 a.m. and 4 p.m., on the courthouse steps of the county where the property is located. If the first Tuesday is a legal holiday, the sale is held on the first Wednesday.
Bottom line: from the lender's first notice to the auction is roughly 41 days minimum. Real-world cases often run longer — 60 to 120 days is common — because notices get re-sent, the property gets re-posted to a later first Tuesday, or the borrower and lender negotiate. But once the auction is posted and 21 days are running, the clock is hard. Use the calculator above to see exactly where you sit relative to your specific date.
For a deeper walk-through, see our Texas foreclosure guide — covers the four options (reinstate, modify, cash sale, deed-in-lieu) and what each one actually requires.
If a cash close fits your timeline
How Diamond closes before the auction
We are a Texas-owned cash buyer. The process is short by design — no agents, no listing, no inspector renegotiation. If you have at least 14 days before your posted auction date and clear title (no surprise junior liens or undisclosed heirs), this is the path most pre-foreclosure sellers in Texas take.
- 1
Phone call (not a form)
Pre-foreclosure timelines are tight enough that web forms with 24-hour response SLAs do not work. Call us. Bring your Notice of Sale to the conversation.
- 2
Title pull + comp + walk
We pull title, look at recent comparable sales in your county, and walk the property if it fits the timeline. Title work is what gates pre-foreclosure closings — we open the file the day of the offer.
- 3
Written offer with the math
The offer factors in your payoff, accumulated arrears, and any junior liens. We show the math. Take it to a real estate attorney or a HUD counselor — there is no pressure.
- 4
Close at title before auction
Standard Texas purchase agreement, Texas-based title company, escrow opened. Lender payoff handled at closing. You get a check or a wire and the auction is cancelled.
The full Texas foreclosure walkthrough — including the receiver remedy and what happens after auction — lives on our foreclosure pillar page.
Foreclosure FAQ
The questions sellers ask 21 days before auction
How does Texas foreclosure work?
Texas is a non-judicial foreclosure state — the fastest in the country. From the first Notice of Default to the foreclosure auction can be as short as 41 days (20-day right to reinstate plus 21-day Notice of Sale). Auctions are held on the first Tuesday of every month, 10 a.m. to 4 p.m., on the courthouse steps of the county where the property is located. Texas Property Code §51.002 governs the process.
Where is my Texas foreclosure auction held?
On the courthouse steps of the county where the property is located. Pick your county in the calculator above to see the exact courthouse address. The Notice of Sale must be posted in three places: the courthouse door, the county clerk's office, and online.
How fast can a cash buyer close before my auction?
Most reputable Texas cash buyers can close in 9 to 14 days from accepted offer when title is clean. That means if you have 21+ days until your auction, a cash close fits comfortably. Inside 14 days, title work has to be compressed and a phone call beats a web form. Inside 7 days, most cash buyers cannot close in time — your best options shift to reinstating, modifying, or filing Chapter 13 to invoke the automatic stay.
What is the right to reinstate in Texas?
You generally have 20 days from the Notice of Default to bring the loan current — pay the missed payments, late fees, and any allowable foreclosure costs — and the foreclosure stops. The 20-day cure window plus the 21-day Notice of Sale period is how the 41-day minimum total timeline gets calculated.
Does Texas have a redemption period after foreclosure?
Not for most residential properties. Texas does not provide a general statutory right to redeem a home after a non-judicial foreclosure auction. There are narrow exceptions (HOA foreclosures, certain tax foreclosures) where short redemption windows apply. If your auction has already happened, talk to a Texas real estate attorney about your specific situation.
Is this calculator legal advice?
No. This is general information about Texas foreclosure timelines based on Texas Property Code §51.002 and standard cash-buyer closing timelines. If you have a posted auction date and don't have a clear plan, talk to a Texas real estate attorney or a HUD-approved housing counselor today.
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