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What happens after a foreclosure sale in Nevada

After a Nevada trustee sale, you cannot buy the home back, but you are not locked out that day. The new owner must give you a written notice and win a formal eviction case in court. A lender has only 6 months to ask a court for any shortfall, and a bank cannot collect one on many purchase loans for a home you lived in. Any extra sale money goes to you after other liens are paid.

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

What happens after the sale in Nevada, in order

  1. Trustee's deed is recorded and posted

    Within about 30 days of the sale; posted within 5 days after recording

    The trustee records the deed within 30 days, or delivers it within 20 days and the buyer records it within 10 days. A copy must then be posted on the home. Recording the deed also starts your short time to challenge the sale.

    NRS 107.080(10), (11)

  2. Challenging the sale

    30 days after the deed is recorded; 90 days after the sale if you did not get proper notice

    A court must void a sale if the trustee did not substantially follow the rules and you sue in the county within the deadline and record a lis pendens within 5 days of filing. After the deadline passes, mistakes do not affect an innocent buyer. Talk to a lawyer right away if you think the notices were wrong.

    NRS 107.080(5), (6), (7)

  3. No right to redeem after a trustee sale

    None after a trustee sale; 60 days after an HOA sale; 1 year after a court sale

    Nevada law says a trustee sale gives the buyer title without any right of redemption. After an HOA foreclosure sale, you can buy the home back within 60 days by paying the price plus 1 percent a month and certain costs. After a sheriff's sale in a court foreclosure, the redemption period is 1 year.

    NRS 107.080(5); NRS 116.31166(3); NRS 21.210

  4. 3-day notice and formal eviction

    After title is perfected

    The new owner must serve a former owner a written 3-day notice to surrender, which the Civil Law Self-Help Center says does not count weekends and holidays. If you stay, the owner must file a formal eviction case, and you can file an answer. Tenants renting the home generally get at least 60 days' notice instead.

    NRS 40.255(1), (2)

  5. Deficiency judgment

    Lender must apply within 6 months after the sale

    The court holds a hearing on the home's fair market value, and the judgment cannot exceed the debt minus that value or the debt minus the sale price, whichever is less. A bank cannot get one on a single-family home you owned and lived in if the loan bought the home and was never refinanced. A second mortgage holder also has only 6 months to sue.

    NRS 40.455, 40.457, 40.459, 40.4639

  6. Surplus funds

    After the sale costs, the loan and junior liens are paid

    If the home sold for more than what was owed, the rest goes to you or your successor. Give the trustee your new mailing address and ask in writing about any surplus. If claims conflict, the trustee can hold the money until a court sorts it out.

    NRS 40.462; NRS 107.030(7)

The three questions that matter after a sale

Can I get the home back in Nevada?

Limited redemption

After the usual trustee sale under a deed of trust, no. Nevada law says the buyer takes title without any right of redemption. After a court (judicial) foreclosure sale run by the sheriff, you can redeem within 1 year by paying the buyer the price plus 1 percent a month and certain costs. After an HOA foreclosure sale, you can redeem within 60 days by paying the buyer the price plus 1 percent a month and certain costs.

NRS 107.080(5); NRS 40.430(4); NRS 21.190, 21.210; NRS 116.31166(3)

Can the lender come after me for the rest?

Limited

A lender can ask a court for a deficiency judgment, but it must apply within 6 months after the sale, and the court must hold a hearing on the home's fair market value. The judgment cannot be more than the debt minus the fair market value or the debt minus the sale price, whichever is less. A bank or other financial institution cannot get a deficiency on a single-family home you owned and lived in, if the loan was used to buy it and was never refinanced. A deficiency is also barred after an agreed short sale on those terms when the written agreement waives it. A second mortgage holder has 6 months after the sale to sue.

NRS 40.455, 40.457, 40.458, 40.459, 40.4639

What if the home sold for more than I owed?

Sale money is paid out in this order: sale costs and fees, the loan that was foreclosed, junior liens in order of priority, and then you (the debtor or your successor). If people disagree about who gets the money, the trustee does not have to pay it out until the dispute is settled, for example in a court interpleader case. Keep your mailing address current with the trustee and ask the trustee in writing about any surplus. After an HOA sale, any excess also goes to the unit owner after the sale costs, the HOA lien and other liens.

NRS 40.462; NRS 107.030(7); NRS 116.31164(8)

Common questions in Nevada

Will I owe money after a trustee sale in Nevada?

Possibly, but only if the lender asks a court within 6 months after the sale and wins after a fair market value hearing (NRS 40.455 and 40.457). Even then, the amount is capped by NRS 40.459. A bank cannot get a deficiency on an owner-occupied single-family home bought with that loan and never refinanced.

Can the new owner use a fast summary eviction on me after a Nevada foreclosure?

No. The Civil Law Self-Help Center says the summary eviction process cannot be used to evict a former owner after foreclosure. The new owner must serve a 3-day notice under NRS 40.255 and then file a formal eviction case, which you can answer in court.

My home was sold by my Nevada HOA. Can I get it back?

Possibly. Under NRS 116.31166 you can redeem within 60 days after the HOA sale by paying the buyer the purchase price plus 1 percent a month, plus certain taxes, liens and repair costs the buyer paid. You must serve a notice of redemption with a certified copy of your deed.

I rented my Nevada home to a tenant. What happens to them after the sale?

A tenant who is not on the loan can generally stay for at least 60 days after notice of the change in ownership if they pay monthly, and the lease terms carry over during that time (NRS 40.255). The tenant must pay rent to the new owner. No eviction record may be entered if the tenant moves out during the notice period.

Step by step

More on foreclosure in Nevada

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. Petition for Foreclosure Mediation Assistance, Eighth Judicial District Court form by the Civil Law Self-Help Center (posted by Home Means Nevada, 2025)
  2. NRS Chapter 107, Deeds of Trust (Rev. 4/15/2026, through the 2025 session), Nevada Legislature
  3. NRS Chapter 40, Actions and Proceedings in Particular Cases Concerning Property (NRS 40.255, 40.430, 40.437, 40.4395, 40.451 to 40.462, 40.4639)
  4. NRS Chapter 21, Enforcement of Judgments (NRS 21.190 to 21.210, redemption after execution sale)
  5. NRS Chapter 116, Common-Interest Ownership (NRS 116.3116 to 116.31166)
  6. NRS Chapter 645F, Mortgage Lending and Related Professions (NRS 645F.300 to 645F.450, foreclosure consultants)
  7. Home Means Nevada, Inc.: Foreclosure Mediation Program
  8. Home Means Nevada, Inc.: home page
  9. Eighth Judicial District Court: Foreclosure Mediation
  10. Nevada Foreclosure Mediation Rules (posted by the Eighth Judicial District Court)
  11. Civil Law Self-Help Center: Intro to Foreclosures
  12. Civil Law Self-Help Center: Petition for Foreclosure Mediation Assistance
  13. Civil Law Self-Help Center: Evicting a Former Owner After Foreclosure
  14. Legal Aid Center of Southern Nevada: Foreclosure
  15. Nevada Legal Services: Foreclosure Prevention
  16. Nevada Attorney General: Mortgage Fraud Unit
  17. Nevada Attorney General: Examples of Mortgage/Foreclosure Fraud and Loan Modification Scams
  18. Nevada Division of Mortgage Lending: Submit a Complaint
  19. Nevada Real Estate Division: Common-Interest Communities
  20. State Bar of Nevada: Lawyer Referral Service
  21. Nevada Affordable Housing Assistance Corporation (Nevada Homeowner Assistance Fund)
  22. U.S. Department of the Treasury: Homeowner Assistance Fund
  23. Nevada Housing Division
  24. A.B. 513 (2023), as introduced: Eliminates the program of foreclosure mediation