50 States Foreclosure Surplus Funds Guide
Complete reference for tax deed surplus and mortgage overage laws across all US states. Includes statutes, claim windows, fee limits, and data sources for each state.
Alabama(AL)
No mortgage overage details
Data Sources:
Alaska(AK)
Tax overages must get claim filed within 6 months of tax sale date
Data Sources:
Arizona(AZ)
No tax overages; $2,500 finder fee cap for mortgage
Data Sources:
California(CA)
12-month wait before distribution; mortgage consultant restrictions apply
Data Sources:
Colorado(CO)
No tax overages; 30-month limit, 20-30% fee cap for mortgage
Data Sources:
District of Columbia(DC)
No surplus fund details in mortgage statute
Data Sources:
Georgia(GA)
Consider attorney for county relations
Data Sources:
Idaho(ID)
60-day claim window after notice; 2-year state hold period
Data Sources:
Massachusetts(MA)
Data Sources:
Mississippi(MS)
2-year claim window from end of redemption period
Data Sources:
Missouri(MO)
90-day availability window; 3-year maximum hold
Data Sources:
Montana(MT)
120-day claim window; 5-year unclaimed property period
Data Sources:
Nevada(NV)
10% tax fee limit, 1-year deadline; $2,500 mortgage cap
Data Sources:
New Hampshire(NH)
Limited mortgage overage information
Data Sources:
North Carolina(NC)
$1,000 fee cap
Data Sources:
Rhode Island(RI)
5-year hold on tax overage funds
Data Sources:
Tennessee(TN)
10% fee limit if licensed; trustee distributes
Data Sources:
Texas(TX)
2-year claim window; 20% assignment fee limit
Data Sources:
Utah(UT)
60-day response period post-claim; 24-month state hold
Data Sources:
Virginia(VA)
2-year tax claim window; trustee mortgage disbursement
Data Sources:
Washington(WA)
5% maximum finder fee per RCW 63.29.350
Data Sources:
West Virginia(WV)
2-year claim window from redemption date
Data Sources:
Wyoming(WY)
2-year tax claim deadline or county keeps funds
Data Sources:
Connecticut(CT)
90 days to submit tax claim, then funds go to state
Data Sources:
Delaware(DE)
Online lead research available
Data Sources:
Florida(FL)
20% POA limit for tax; 12% assignment limit for mortgage
Data Sources:
Illinois(IL)
No tax overages
Data Sources:
Indiana(IN)
10% max fee with disclosure requirements
Data Sources:
Iowa(IA)
Overages called "overplus"
Data Sources:
Kansas(KS)
Data Sources:
Kentucky(KY)
Data Sources:
Louisiana(LA)
Sheriff handles mortgage overages
Data Sources:
Maine(ME)
Tax overages newly allowed as of 2023
Data Sources:
Nebraska(NE)
Confusion exists regarding surplus fund applicability
Data Sources:
New Jersey(NJ)
Bid-down system typically prevents overages
Data Sources:
New Mexico(NM)
2-year state hold before overage recovery
Data Sources:
New York(NY)
County-by-county variations; focus higher populations
Data Sources:
North Dakota(ND)
No tax overages; court handles mortgage; 90-day window
Data Sources:
Ohio(OH)
90-day claim for mortgage; 3-year window for tax
Data Sources:
Pennsylvania(PA)
2-5 year window for tax overages; 30-day sheriff reporting
Data Sources:
South Carolina(SC)
5-year tax overage claim window
Data Sources:
South Dakota(SD)
1-year tax claim window; CD investment option
Data Sources:
Vermont(VT)
Identical treatment for both overage types
Data Sources:
Wisconsin(WI)
No current tax overages; court holds mortgage funds
Data Sources:
Arkansas(AR)
Fee >10% considered unconscionable for tax overages
Data Sources:
Hawaii(HI)
1-year no-fee period; 2-year state hold before 25% fee recovery
Data Sources:
Maryland(MD)
Tax lien state; foreclosure consultant statute applies; avoid assignments
Data Sources:
Michigan(MI)
County retains tax overages; state access possible within years
Data Sources:
Minnesota(MN)
Data Sources:
Oklahoma(OK)
1-year claim window; assignments prohibited
Data Sources:
Oregon(OR)
No tax overages
Data Sources:
Disclaimer: This information is provided for educational purposes only and should not be considered legal advice. Laws and regulations change frequently. Always verify current statutes with official state sources or consult with a licensed attorney before conducting surplus funds recovery activities in any state.