Statute of Limitations for Mortgage Foreclosure in United States (Federal)
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Published June 5, 2025 • Updated May 16, 2026 • By DocketMath Team
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How the limitation period applies
The controlling primary authority for mortgage-foreclosure is 28 U.S.C. § 2415(a).
28 U.S.C. § 2415(a). Subject to the provisions of section 2416 of this title, and except as otherwise provided by Congress, every action for money damages brought by the United States or an officer or agency thereof which is founded upon any contract express or implied in law or fact, shall be barred unless the complaint is filed within six years after the right of action accrues or within one year after final decisions have been rendered in applicable administrative proceedings required by contract or by law, whichever is later
Use the calculator
DocketMath's statute-of-limitations tool can model these timelines once you identify the controlling claim type and accrual date. Use the source panel for the verified primary-source citations.
Open the Statute of Limitations calculator
Sources
All sources are official primary law published by uscode.house.gov.
Corroboration method: government_primary_source_direct_fetch.
