Finance category
Mortgage, loan, investing, tax, and money calculators.
Foreclosure Reinstatement Calculator
Reinstating brings a loan current and stops foreclosure. This calculator computes the payoff amount.
Reinstatement amount
$17,950
Past-due amount
$12,800
Total fees
$5,150
How the math works
Reinstatement = (months × PITI) + late + attorney + trustee. All must be paid to cure.
Request reinstatement letter in writing with itemized breakdown. Servicers occasionally over-charge; verify line items. Payoff 24-48 hours before sale date via wire to avoid hiccups.
How to Use
- Enter months past-due.
- Enter monthly PITI.
- Enter late fees.
- Enter attorney fees.
- Enter filing/trustee fees.
- Read reinstatement amount.
Frequently Asked Questions
Deadline?
Typically 5 days before sale (state-specific). Some states allow up to day of sale. Know your state's reinstatement window. Miss = foreclosure proceeds.
Costs?
Past-due + accrued interest + late fees + legal ($3-10k) + trustee/filing fees. Can total 10-25% of loan balance if several months behind.
Source of funds?
Cash reserves. Refinance (hard if credit damaged). Family loan. Hard money to reinstate then refinance. Last resort: partial cure + forbearance.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
Foreclosure Cost Calculator
All-in foreclosure cost to lender — attorney, court, trustee, BPO, property preservation, eviction — through REO sale.
Next calculator
Foundation Repair Cost Calculator
Estimate foundation repair cost from crack count, pier count, or waterproofing scope for a capex reserve.