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Check for Funds
Aftersale · Surplus funds recovery

Your home sold at auction? Money may still be yours.

When a foreclosure or tax sale brings in more than was owed, the extra — surplus funds — can belong to the former owner. It usually sits with a court, clerk or trustee until someone claims it.

  • Free check — we tell you honestly if there's nothing
  • Contingency only — $0 upfront, ever
  • You never sign your claim away

Deadlines apply and vary by state. The sooner you check, the better.

Free surplus funds check

Takes about 30 seconds. Private.

How it works

You check. We do the rest.

Every state and county handles surplus funds differently. We handle the research, filings and paperwork.

Free case review

We look up the sale, the debt and any competing liens — and tell you what we find, even if it's nothing.

We file and follow up

Claims, proof of ownership, heirs and court requirements — handled for you, start to finish.

You get paid

Funds are released to you. Our contingency fee comes out of the recovery — never out of your pocket.

Why it goes unclaimed

Most former owners never hear about it.

Notices go to the old address

By the time a surplus exists, most owners have already moved.

Every state is different

Forms, deadlines and who holds the money vary by state and county.

Other claims come first

Second mortgages, HOAs and other liens may have priority. Sorting it out takes care.

Watch out

Surplus recovery scams vs. how we work

Walk away if someone…

  • Charges an upfront "retainer".
  • Asks you to assign (sign over) your whole claim for a small flat payment.
  • "Guarantees" an amount before looking at your case.
  • Pressures you to sign today.
  • Hides the fee percentage in fine print.

What we do

  • $0 upfront — contingency only.
  • You keep your claim; we never ask you to assign it.
  • An honest answer after we review the file.
  • No pressure. Take your time.
  • A plain-language written agreement, with the fee stated, before any work starts.
Straight answers

Surplus funds questions

What are foreclosure surplus funds?
Surplus funds (also called excess proceeds or overage) are the money a foreclosure or tax sale brings in above the debt and allowed costs. After lienholders with priority are paid, what is left can belong to the former owner — but it usually has to be claimed through the court, clerk or trustee that holds it.
How long do I have to claim surplus funds?
It depends on the state and the type of sale. Some deadlines are a few months, others are years. Because the money can be moved to the state's unclaimed-property program or become harder to claim, it is best to check as soon as possible.
Do you charge upfront fees?
No. Our fee is contingency only and is paid from recovered funds. If nothing is recovered, you owe nothing. Some states limit or regulate surplus-recovery fees, and our written agreement follows the rules where your property is.
Can I claim surplus funds myself?
Often, yes. Many courts and clerks let former owners file a claim directly. Help is most useful when there are competing liens, heirs, missing documents or strict deadlines. If your case is simple, we will tell you.
What if my home was sold for unpaid property taxes?
Since the U.S. Supreme Court's 2023 decision in Tyler v. Hennepin County, governments generally cannot keep equity above the tax debt after a tax sale. Former owners may be able to claim that surplus; the process depends on your state.
Free · Private · Contingency only

Find out if money is waiting for you.

It takes 30 seconds to check. If there's nothing to recover, we'll tell you — no charge, no obligation.

Check for Funds →

General information, not legal advice. Surplus-fund rules, deadlines and fee limits vary by state and county. Related: Recovery division · What happens after a foreclosure auction · Foreclosure scams to avoid · Foreclosure timeline.