When The House Is Foreclosed
Fla. Stat. 45.0315 — the right to redeem runs until the certificate of sale
In Florida, a foreclosure goes through a court, and the sale is followed by the clerk's certificate of sale.
The window closes at the certificate, not the auction. At any time before the later of the clerk's filing of the certificate of sale or the time the judgment specifies, the mortgagor or the holder of a subordinate interest may cure the debt and prevent the sale by paying the amount in the judgment, or, if there is no judgment yet, by tendering the performance due, including accelerated amounts, plus the reasonable expenses of foreclosing to that point.
| The assumption | What the law actually does |
|---|---|
| The assumptionThe house is gone when the gavel falls | What the law actually doesRedemption runs until the later of the certificate of sale or the time in the judgment |
| The assumptionPaying the missed payments is enough | What the law actually doesThe amount in the judgment, or the performance due including accelerated amounts |
Loss mitigation, loan modification and the federal servicing rules run alongside a foreclosure on their own deadlines and are not on this page. Whether a notice was proper, whether a defense exists, and what a particular sale means are questions for a licensed Florida attorney.
Sources for this section (1)
- Fla. Stat. 45.0315 — Right of redemption
Legal information, not legal advice. Verified as of September 2026. Applying it to a particular situation is the work of a licensed Florida attorney.