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What happens after a foreclosure sale in Connecticut

What happens next in Connecticut depends on how the case ended. In a strict foreclosure there is no auction: title passes to the lender the day after the last law day, and you cannot buy the home back after that. In a foreclosure by sale, the court must approve the auction, and any money left over can go to you. In either case, you can be removed only by a court order served by a marshal.

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Reviewed against Connecticut law and official sources on October 12, 2026. General information, not legal advice.

What happens after the sale in Connecticut, in order

  1. Court approval of the sale

    After the auction, on the committee's motion

    The sale is not final until the judge approves it. Until that approval, the home can still be redeemed by paying the debt. You can come to the hearing if you think the price is too low.

    Conn. Gen. Stat. §§ 49-25, 49-26

  2. Committee deed and closing

    21 to 30 days after notice that the sale was approved

    The buyer pays the rest of the price, and the committee signs the deed. The buyer gets the same title the lender would have had in a strict foreclosure.

    Conn. Gen. Stat. § 49-26; JD-CV-79 Standing Orders

  3. Title passes after the law day

    The day after the last law day, if no one pays

    In a strict foreclosure, the lender owns the home once the law days run out. A judge can reopen the judgment only if every party who appeared agrees, and only within 4 months of the judgment or 30 days after title passed, whichever is later.

    Conn. Gen. Stat. § 49-15(a); Conn. Practice Book § 23-17(b)

  4. Execution of ejectment

    At least 5 business days after it is served on you

    After a sale, the court can issue it only once the appeal period for the sale approval has passed. The marshal must try to tell you the date at least 5 business days before giving the town 24 hours' notice. Belongings that are removed go to town storage. They can be sold if you do not claim them and pay the storage costs within 15 days.

    Conn. Gen. Stat. §§ 49-22, 49-26

  5. Deficiency judgment

    Strict foreclosure: motion within 30 days after the law day

    The court holds a hearing, sets a value for the home, and limits the judgment to the debt minus that value. After a sale below the appraised value, the lender must first credit half the gap between the appraisal and the price. You can bring your own evidence of value.

    Conn. Gen. Stat. §§ 49-14, 49-28; Conn. Practice Book § 23-19

  6. Supplemental judgment and leftover money

    Motion due within 90 days after the sale is approved

    The sale money goes to the court, and a supplemental judgment says who gets paid. Money left after the lender, other lienholders and costs can go to you. Check with the court clerk after the sale and file an Appearance so you get notice.

    Conn. Gen. Stat. § 49-27; JD-CV-79 Standing Orders

The three questions that matter after a sale

Can I get the home back in Connecticut?

Limited redemption

You can redeem, which means pay the full debt plus costs and fees, only up to a cutoff. In a strict foreclosure the cutoff is your law day. After it passes, the lender owns the home and there is no further redemption period. In a foreclosure by sale you can redeem at any time before the court approves the sale. A judge can reopen a strict foreclosure judgment after title has passed only in narrow cases, when every party who appeared agrees, and not later than 4 months after the judgment or 30 days after title passed, whichever is later.

Conn. Gen. Stat. §§ 49-15, 49-25

Can the lender come after me for the rest?

Deficiency judgments allowed

The lender can ask the court for a deficiency judgment. In a strict foreclosure it must file a motion within 30 days after the time to redeem has expired. The court holds a hearing, sets a value for the home, and the judgment is limited to the debt minus that value. In a foreclosure by sale, the court can enter judgment for the shortfall. If the home sold for less than the court appraisal, the party who asked for the sale must first credit half of the gap between the appraised value and the sale price. You can come to the hearing and show the home is worth more.

Conn. Gen. Stat. §§ 49-14, 49-28

What if the home sold for more than I owed?

In a foreclosure by sale, the sale money is paid into court. After the judge approves the sale, the court issues a supplemental judgment that says who gets paid and how much. Money left after the lender, other lienholders and costs are paid goes to the former owner. In a strict foreclosure there is no sale and no surplus. If your home is worth more than you owe, you lose that equity unless you ask the judge in a written motion to order a foreclosure by sale.

Conn. Gen. Stat. §§ 49-24, 49-27

Common questions in Connecticut

How long can I stay in my Connecticut home after the law day?

Court rules put ejectment on hold until the day after the last law day. After that, the new owner needs an execution of ejectment from the court, and the removal cannot happen until at least 5 business days after it is served on you. Use that time to arrange housing and move your belongings.

How do I claim surplus money after a Connecticut foreclosure sale?

The money is held by the court, not the lender. The standing orders tell owners to check with the Clerk of the Court after the sale, and the lender must ask for a supplemental judgment within 90 days of the sale approval. File an Appearance in the case so you get notice and can ask for your share. You do not need to pay a company to claim it.

Can a Connecticut lender still collect from me after a strict foreclosure?

Only through a court deficiency judgment. The lender must file its motion within 30 days after the time to redeem ends. The judge then values the home and limits the judgment to the debt minus that value. If the home was worth what you owed, there may be no deficiency.

Step by step

More on foreclosure in Connecticut

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

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Sources for this page

  1. Conn. Gen. Stat. chapter 896, Civil Process (§§ 52-46, 52-48)
  2. Connecticut Practice Book, 2026 edition (§§ 3-2, 10-8, 23-16 to 23-19, 61-11, 63-1)
  3. Connecticut Judicial Branch: Foreclosure by Sale Standing Orders, JD-CV-79 (Rev. 7-25)
  4. Connecticut Judicial Branch: Pending Foreclosures By Sale, Listed by Town
  5. Conn. Gen. Stat. chapter 846, Mortgages (§§ 49-14, 49-15, 49-22, 49-24 to 49-28, 49-31d to 49-31n)
  6. Conn. Gen. Stat. chapter 134, Connecticut Housing Finance Authority Act (§§ 8-265dd to 8-265ff)
  7. Conn. Gen. Stat. chapter 669, Regulated Activities (§§ 36a-671 to 36a-671b, debt negotiation)
  8. Connecticut Judicial Branch: Foreclosure Mediation Program
  9. Connecticut Judicial Branch: Foreclosure Mediation Homeowner Frequently Asked Questions
  10. CTLawHelp: Foreclosure, Your Rights and Options (updated May 2025)
  11. CHFA: Emergency Mortgage Assistance Program
  12. CHFA: MyHomeCT program update
  13. U.S. Treasury: Homeowner Assistance Fund
  14. Connecticut Department of Banking: Avoiding Foreclosure
  15. Connecticut Bar Association: Ways to Get Legal Help