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Renting a home that was foreclosed in Washington, D.C.: your rights
If you rent in Washington, D.C. and your landlord's home was foreclosed, federal law gives you at least 90 days' written notice, and often the rest of your lease. D.C. law goes further: under the Rental Housing Act, most tenants cannot be evicted, even after the lease ends, as long as they pay the rent, unless one of the reasons in the law applies. Foreclosure is not one of those reasons.
Reviewed against District of Columbia law and official sources on October 12, 2026. General information, not legal advice.
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Your rights as a renter in Washington, D.C., in order
Federal floor: 90 days' notice, and your lease may continue
After the saleUnder the Protecting Tenants at Foreclosure Act, a bona fide tenant gets at least 90 days' written notice to vacate, and a lease signed before the foreclosure runs to its end unless the buyer will live in the home. If you have a Section 8 voucher, the new owner takes over your lease and housing assistance contract. See [tenant notice after foreclosure](/notices/tenant-notice-after-foreclosure/).
Pub. L. 111-22 § 702, as restored by Pub. L. 115-174 § 304
No action against you until the buyer records a deed
After the auctionA buyer at a foreclosure auction cannot send a notice to quit, file for possession, or charge rent or use and occupancy until a deed to the buyer is recorded at the Recorder of Deeds. The law says this does not change the rights of tenants whose tenancies survive the foreclosure.
D.C. Code § 42-815.05
Just cause: you can stay while you pay rent
As long as you keep payingThe Rental Housing Act says no tenant can be evicted, even after the lease ends, as long as the tenant keeps paying the rent the housing provider is entitled to, unless a reason listed in the law applies and the tenant gets the required written notice. Foreclosure is not on that list.
D.C. Code § 42-3505.01(a)
If the new owner wants to move in
At least 90 days' noticeA person who owns the unit can recover it in good faith to live there personally, but must give a 90-day notice to vacate and cannot rent the unit to someone else for 12 months. A company or bank buyer cannot use this reason.
D.C. Code § 42-3505.01(d)
Leases older than the mortgage
When the sale is conveyedD.C. law treats people living in the home after a mortgage sale as tenants at will, but it makes an exception for a tenant holding an unexpired written lease for a term of years that is older than the mortgage. Bring your lease to legal aid so they can check its date against the mortgage.
D.C. Code § 42-522
Rent, deposits and free help
As soon as you get any noticeKeep paying rent under your lease, ask the new owner in writing for proof of the deed and where to pay, and keep every receipt. Security deposit rules are in the D.C. Housing Regulations, and the Office of Administrative Hearings can hear complaints about deposits that are not returned. The Office of the Tenant Advocate (202-719-6560) and the Landlord Tenant Legal Assistance Network (202-780-2575) offer free help.
D.C. Code §§ 42-3502.17, 42-3505.01(a-1)
Common questions in Washington, D.C.
Does a D.C. renter's lease end when the landlord's home is foreclosed?
Not automatically. Federal law protects a bona fide lease signed before the foreclosure, and D.C.'s Rental Housing Act lets you stay past the lease as long as you pay the rent, unless the law lists a reason to evict you. Talk to the Office of the Tenant Advocate before you move.
Can the bank that bought my D.C. rental at foreclosure evict me to sell it empty?
Wanting to sell the unit empty is not a reason the Rental Housing Act lists for eviction, and only a court can order an eviction. If you have a Section 8 voucher, federal law also says selling the home empty is not good cause to end your tenancy. Get legal help if you receive any notice to vacate.
Can the foreclosure buyer charge me rent right after the D.C. auction?
Not until the buyer's deed is recorded at the Recorder of Deeds. After that, keep paying under your lease once the buyer shows you proof of ownership and tells you in writing where to pay, and keep every receipt.
Step by step
More on foreclosure in Washington, D.C.
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.
Also in Washington, D.C.
Foreclosure mediation Property tax foreclosure Claim surplus funds Deficiency judgments HOA and condo liens Renters after foreclosure (this page)Letters you may getBack to the District of Columbia overview
Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.
Sources for this page
- D.C. Code § 42-1903.13 (condo lien for assessments, priority, power of sale)
- D.C. Code § 42-1903.12a (notice of intention to take legal action to collect past due amounts)
- D.C. Code § 42-1903.12 (assessments, past due date, interest)
- D.C. Code § 42-3505.01 (evictions under the Rental Housing Act)
- D.C. Code § 42-522 (estates at will after a mortgage sale)
- D.C. Code § 42-3203 (ending a tenancy at will)
- D.C. Code § 42-3502.17 (security deposit complaints)
- D.C. Office of the Tenant Advocate
- Protecting Tenants at Foreclosure Act, Pub. L. 111-22 § 702, note under 12 U.S.C. § 5220 (govinfo)
- D.C. Code § 42-815, notice under power of sale provision
- D.C. Code § 42-815.01, right to cure residential mortgage foreclosure default
- D.C. Code § 42-815.02, foreclosure mediation
- D.C. Code § 42-815.04, construction (power of sale rules do not apply to judicial foreclosure)
- D.C. Code § 42-815.05, requirement for deed before action against current occupant
- D.C. Code § 42-816, sale of property and deficiency judgments
- D.C. Code title 42, chapter 24A, Foreclosure Rescue Prohibited
- D.C. Code § 42-2432, prohibited foreclosure transactions and practices
- D.C. Superior Court: Mortgage Foreclosure Sales (last updated 02/12/2026)
- DISB: Foreclosure Prevention Program
- DISB: Foreclosure Prevention
- LawHelp.org/DC: Foreclosures (D.C. Bar Antitrust and Consumer Law Section)
- Legal Aid DC: Foreclosure FAQs
- Legal Aid DC: Ways to Let Go of Your Property
- DC Department of Housing and Community Development: Homeowner Assistance Fund (HAF)
- DC Homeowner Assistance Fund program site
- U.S. Treasury: Homeowner Assistance Fund