Estimate how much you need to pay to reinstate your mortgage and stop the foreclosure. Under California law, you have the right to reinstate up to 5 business days before the trustee sale.
Enter your loan details below. This calculator provides an estimate—request an official reinstatement quote from your servicer for exact figures.
This calculator provides estimates only. Under CC § 2924c, you can request a written reinstatement quote from your servicer. They must provide exact figures within a reasonable time.
Under California Civil Code § 2924c, you have the right to cure your default and reinstate your loan:
Servicers sometimes pad reinstatement quotes with improper fees—unnecessary inspections, inflated attorney fees, or duplicate charges. Request itemization and challenge anything that seems excessive.
Foreclosure costs increase as the process advances. These are typical California ranges:
$1,500 - $3,000
Recording fees, initial trustee fees, certified mailings
$3,000 - $5,000
Publication costs, additional trustee fees, title work
$5,000 - $8,000+
Full trustee fees, attorney fees, multiple postponement fees
Reinstatement costs compound quickly. Acting at NOD stage can save $3,000-$5,000+ compared to waiting until sale is imminent.
I help California homeowners negotiate reinstatement quotes, challenge excessive fees, and explore alternatives when reinstatement isn't affordable.