It’s a common misconception that foreclosure means total loss. But when a property sells for more than what’s owed, surplus funds are created — and belong to the homeowner.
“We’ve helped people who were broke find out they’re owed $40,000,” said a refund recovery expert.
Surplus fund support is now available by phone, online, and at neighborhood walk-in clinics.
Florida Counties Holding Surplus Funds for Thousands of Past Foreclosure Cases
St. Petersburg, FL – April 2025
Clerks’ offices across Florida are holding millions in unclaimed surplus funds from foreclosure sales. These refunds are tied to specific cases — many dating back several years — and remain untouched.
“Your name could be on a list and you wouldn’t even know it,” said a surplus audit researcher.
A 3-minute case lookup can uncover forgotten equity and jumpstart the refund process.
Surplus Funds Could Cover Your Next Move — But You Have to Claim Them First
Naples, FL – April 2025
For many families, surplus funds from a foreclosure are helping them secure new housing, pay off debt, or build savings — but only if they file a claim in time.
“It’s like a second chance hidden in your court case,” said a community housing counselor.
Former homeowners are being urged to check foreclosure sale records for auctions with surplus results.
Surplus Funds Can Be Claimed Without a Credit Check, Income Test, or Application Fee
Fort Lauderdale, FL – April 2025
Unlike loans or relief programs, surplus fund refunds are based on one thing: your legal connection to the property. There are no credit pulls, background checks, or income restrictions — just your name and the court record.
“This isn’t a handout. It’s your leftover equity. Period,” said a surplus case manager.
Free claim filing tools are available in English, Spanish, and Haitian Creole.
Florida Clerks of Court Urge Homeowners to Claim Surplus Funds Before Deadlines Close
West Palm Beach, FL – April 2025
Court clerks across Florida are reminding residents to file for their surplus funds before the statutory deadlines close. In most counties, claims must be filed within 60 days to one year after the foreclosure sale.
“The court can’t hold it forever. If the deadline passes, others may claim it instead,” said a deputy clerk.
Recovery assistance is now available through approved filing partners and legal aid.
