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Washington · ForeclosureWashington trustee's sale: notice, the eleventh-day cure deadline, the Friday sale and no redemption

Under a Washington deed of trust, the trustee must record the notice of sale with the county auditor and mail it to the borrower, grantor and junior interest holders at least 90 days before the sale, or 120 days when the pre-foreclosure letter under RCW 61.24.031 is required, and post it on the property or serve it on an occupant. The sale is held at a public place in the county on a Friday, or the following Monday if Friday is a holiday, and the trustee may continue it for up to 120 days in total (RCW 61.24.040). Until the eleventh day before the sale, the borrower, grantor, a guarantor or a junior lienholder can stop it by curing the default and paying the trustee's fees and costs (RCW 61.24.090). Once the trustee accepts a bid the sale is final if the trustee's deed is recorded within 15 days, and after a trustee's sale no one has a right to redeem (RCW 61.24.050). No deficiency judgment may be taken against the borrower or grantor after a trustee's sale, apart from limited commercial-loan exceptions (RCW 61.24.100). A court can restrain the sale on proper grounds, on condition that the applicant pays the periodic payments into court (RCW 61.24.130).

What the statutes set

  1. Notice (RCW 61.24.040(1))

    Recorded and mailed 90 days before the sale, 120 with the pre-foreclosure letter; posted or served on the occupant.

  2. Sale day (RCW 61.24.040)

    Friday (Monday after a holiday) at a public place in the county; continuances up to 120 days.

  3. Cure (RCW 61.24.090)

    Until the eleventh day before the sale, by curing the default and paying fees and costs.

  4. After the sale (RCW 61.24.050)

    Final on the accepted bid if the deed is recorded within 15 days; no redemption.

  5. Restraint (RCW 61.24.130)

    Court order on proper grounds, with the periodic payments paid into court.

What the TC does on a listing in foreclosure

  • Put the sale date and the eleventh-day cure deadline before it on the file.
  • Order the payoff or cure figure from the trustee early and send it to escrow.
  • Tell the agents at once if the trustee continues the sale – continuances can add up to 120 days.

Questions about Washington trustee's sales

Can you redeem after a trustee's sale in Washington?

No. After a trustee's sale no person has any right, by statute or otherwise, to redeem the property (RCW 61.24.050(1)).

When is the last day to stop a Washington trustee's sale by paying?

The default must be cured before the eleventh day before the sale date – or before the eleventh day before the actual sale if it was continued (RCW 61.24.090(1)).

Related guides

Put the sale date and the cure deadline on the deal as dated tasks in ClosingCode.

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Sources: RCW 61.24.040, 61.24.050, 61.24.090, 61.24.100, 61.24.130 (app.leg.wa.gov), read October 29, 2026.

General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage. This guide is not a substitute for the advice or services of an attorney.