WA · deed-of-trust state · 7 rules quoted · reviewed October 5, 2026
Washington requires 90 days’ notice (120 where a meet-and-confer letter applies), publishes twice on a fixed schedule, and bars both redemption and, for consumer loans, any deficiency.
At least 90 days before the sale, or 120 where a referral letter is required
“At least 90 days before the sale, or if a letter under RCW 61.24.031 is required, at least 120 days before the sale”RCW 61.24.040(1)
Twice: once 35–28 days before the sale, once 14–7 days before
“once on or between the 35th and 28th day before the date of sale, and once on or between the 14th and seventh day before the date of sale”RCW 61.24.040(5)
Cash or certified funds from anyone but the lender
“If the purchaser is not the beneficiary, the entire bid shall be paid to the trustee in the form of cash, certified check, cashier's check, money order, or funds received by verified electronic transfer, or any combination thereof.”RCW 61.24.070(2)
“The trustee may not bid at the trustee's sale. Any other person, including the beneficiary, may bid at the trustee's sale.”RCW 61.24.070(1)
Until the eleventh day before the sale
“At any time prior to the eleventh day before the date set by the trustee for the sale in the recorded notice of sale”RCW 61.24.090(1)
Up to 120 days in total, for any cause, with mailed notice of the new date
“The trustee has no obligation to, but may, for any cause the trustee deems advantageous, continue the sale for a period or periods not exceeding a total of 120 days”RCW 61.24.040(10)
“if the continuance is beyond the date of sale, by giving notice of the new time and place of the sale by both first class and either certified or registered mail”RCW 61.24.040(10)
None after a trustee’s sale
“After a trustee's sale, no person shall have any right, by statute or otherwise, to redeem the property sold at the trustee's sale.”RCW 61.24.050(1)
None against a borrower or guarantor, except on some commercial loans
“a deficiency judgment shall not be obtained on the obligations secured by a deed of trust against any borrower, grantor, or guarantor after a trustee’s sale under that deed of trust”RCW 61.24.100(1)
Quoted from the Washington code and re-checked by script. Statutes carry exceptions a table cannot — read the section before relying on it.
Holding a notice? The trustee sale deadline calculator turns these rules into calendar dates from the sale date it gives.
Data as of · sale counts recomputed nightly
Washington law requires 90 days, and the notices we hold run a median of 127 days from first publication to the sale. The newspaper notice here runs at or beyond the statutory minimum, so the published notice is the binding step rather than a late formality.
See what is scheduled now in Washington trustee sales, or the national figures in trustee sale statistics.
At least 90 days before the sale, or 120 where a referral letter is required, under RCW 61.24.040(1). In practice, a notice we hold in Washington first appears in a newspaper a median of 127 days before the sale it announces, across 373 sales.
Washington allows reinstatement: until the eleventh day before the sale, under RCW 61.24.090(1). The amount due is the arrears and the costs allowed, not the entire loan.
None against a borrower or guarantor, except on some commercial loans, under RCW 61.24.100(1).
None after a trustee’s sale, under RCW 61.24.050(1).
TrusteeSaleData. "Washington foreclosure laws." Reviewed October 5, 2026. https://www.trusteesaledata.com/trustee-sale-laws/washington
Cite the statute itself where you can — every rule above names its section and links to the state’s own page. Corrections to a rule, with the section that contradicts it, are welcome at support@trusteesaledata.com. Nothing here is legal advice: TrusteeSaleData is not a law firm, a trustee, or a government agency.
Other states: trustee sale laws by state.