Deficiency Judgment Laws by State

Name: Deficiency Judgment Laws by State
Creator: Aldric Property Solutions
License: https://creativecommons.org/licenses/by-nc/4.0/

Will the bank sue me after foreclosure? If your home sells for less than the mortgage balance, the difference is a deficiency. Many states allow lenders to pursue a deficiency judgment—others limit or bar it in common processes. Use the table below to see typical rules for your state (most-common process). It’s reference only—get local legal advice.

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Deficiency Judgment Laws by State
State ▾	CommonForeclosureProcess ▾	DeficiencyJudgmentAllowed ▾	ConditionsSummary ▾	SourceURL ▾
Alabama	Nonjudicial	Yes	Allowed under common process.	View source
Arizona	Nonjudicial	Not for 1–2 family on ≤2.5 acres	Anti-deficiency for typical homes/2.5 acres or less.	View source
Arkansas	Nonjudicial	Yes	Permitted after sale.	View source
Colorado	Nonjudicial	Yes	Permitted after sale.	View source
Connecticut	Judicial	Yes	Permitted; judicial process.	View source
Delaware	Judicial	Yes	Permitted; up to confirmation.	View source
Florida	Judicial	Yes	Permitted; subject to court.	View source
Georgia	Nonjudicial	Yes, if court confirms sale	Confirmation required.	View source
Idaho	Nonjudicial	Yes	Permitted; nonjudicial process.	View source
Illinois	Judicial	Yes, with personal service/appearance	Limited if no personal service.	View source
Indiana	Judicial	Sometimes	Varies by case; see statute.	View source
Iowa	Judicial	Sometimes	Varies; some judicial nuances.	View source
Kansas	Judicial	Yes	Unless service by publication with no appearance.	View source
Kentucky	Judicial	Yes	Generally permitted.	View source
Louisiana	Judicial	Yes	Executory proceeding allows deficiency.	View source
Massachusetts	Nonjudicial	Yes	Permitted after nonjudicial sale.	View source
Michigan	Nonjudicial	Yes	Permitted after sale.	View source
Minnesota	Nonjudicial	No (in most cases)	Anti-deficiency in most nonjudicial cases.	View source
Mississippi	Nonjudicial	Yes	Permitted after sale.	View source
Missouri	Nonjudicial	Yes	Permitted; sometimes limited.	View source
New Jersey	Judicial	Yes	Permitted; redemption/confirmation interplay.	View source
North Carolina	Nonjudicial	Yes, in some cases	Permitted with conditions; upset-bid process.	View source
Ohio	Judicial	Yes	Permitted up to confirmation.	View source
Pennsylvania	Judicial	Yes	Permitted after sale.	View source
South Carolina	Judicial	Yes	Permitted; upset-bid nuance if deficiency sought.	View source
Tennessee	Nonjudicial	Yes	Permitted; docs may waive redemption.	View source
Texas	Nonjudicial	Yes	Permitted after sale.	View source
Utah	Nonjudicial	Yes	Permitted after sale.	View source
Virginia	Nonjudicial	Yes	Permitted after sale.	View source
New York	Judicial	Yes, if personally served or appears	Limited if no personal service.	View source
Wisconsin	Judicial	Yes	Permitted after judgment/sale.	View source