ListingDraft

If your home sold at foreclosure for more than you owed, that money may belong to you.

When a foreclosed home sells for more than the outstanding mortgage debt, the difference is called surplus funds. Many former homeowners never realize this money exists or know how to claim it. ListingDraft helps you find out if you’re owed money and connects you with an attorney in your state who can file the claim for you — on a contingency basis, with no upfront cost.

Check if you’re owed surplus funds

No upfront cost · You pay only if you recover money · Free initial review

No upfront cost

Contingency-fee basis. You pay nothing unless we recover funds.

Licensed attorneys

Claims are filed by attorneys licensed in your state.

Plain English

No legalese. We’ll explain every step in language you can understand.

How it works

Four steps from inquiry to recovery.

1

Tell us about the foreclosure

Share the property address and a few basic details. Takes about two minutes.

2

We research public records

We check court and county records to see whether surplus funds were generated and remain unclaimed.

3

You meet your attorney

If funds appear available, we connect you with an attorney licensed in your state who handles the filing.

4

You receive the funds

The attorney files the claim with the court. You receive your share when the court releases the funds.

Read the full process →

Common questions

Quick answers to what people ask first.

What are surplus funds?
When a property is sold at foreclosure auction for more than the amount owed on the mortgage, the extra money — the surplus — legally belongs to the former owner or other lienholders. These funds are held by the court and must be claimed; they don’t come to you automatically.
How much does it cost?
Nothing upfront. Our partner attorneys work on a contingency-fee basis — you only pay a percentage of the funds recovered, and only if there is a recovery. Specific percentages vary by state and are disclosed before you sign anything.
How long does it take?
Typical recovery timelines range from a few weeks to several months, depending on your state’s court schedule and whether any other parties contest the claim.
What if I’m not sure my home generated surplus funds?
That’s exactly why we exist. The initial review is free — we’ll check the public records for you. If there’s no surplus available, you owe nothing and there’s no obligation.

See all FAQs →

Ready to find out if you’re owed money?

Free review. No upfront cost. No obligation.

Start your free review