How much advance notice do I get if my rental is foreclosed in Kentucky?

Federal law requires at least 90 days’ written notice before eviction in most foreclosure cases involving renters.

Can I stay until my lease ends after foreclosure?

If you have a fixed-term lease, you often have the right to stay until the lease expires, unless the new owner plans to move in and live at the property.

Who do I contact if I receive eviction papers after foreclosure?

Contact your local Kentucky District Court for information about hearings, and consider reaching out to civil legal aid for support.

Do I still get my security deposit back?

You are generally entitled to the return of your security deposit when you move out, unless it is used for unpaid rent or damages.

Where can I find the official Kentucky eviction forms?

Common forms like the Forcible Detainer Complaint (AOC-216) are available at the Kentucky Courts Legal Forms page.

Kentucky Renters’ Rights During Foreclosure: A 2024 Guide

Renter Rights & Legal Protections Kentucky published: June 21, 2025

Facing a foreclosure as a renter can be stressful, especially if you’re unsure about your rights and next steps under Kentucky law. Understanding Kentucky-specific renter protections and eviction rules during foreclosure can help you stay prepared and protect your home.

What Foreclosure Means for Renters in Kentucky

Foreclosure is when a property owner (your landlord) loses their property because they defaulted on their mortgage. The lender, usually a bank, takes legal action to repossess and sell the property. As a renter, you might wonder what happens to your lease and whether you’ll be forced to move out.

Your Right to Notice

Federal law—the Protecting Tenants at Foreclosure Act (PTFA)— requires that most renters receive at least 90 days’ written notice before an eviction because of foreclosure. Your rights may depend on:

Your lease type (month-to-month, fixed-term, etc.)
Whether the new owner intends to live in the property

Kentucky courts enforce this federal rule, and landlords or new owners must follow it regardless of local policies.^[1]

Lease Protections and Eviction Process

If you have a fixed-term lease (for example, a year-long agreement), you generally have the right to stay until your lease ends unless the new owner will live in the property themselves. If you’re month-to-month, you still get at least 90 days’ notice. The eviction process in Kentucky for foreclosure follows these main steps:

You receive a written eviction notice (at least 90 days in most cases).
A court (usually your local District Court) conducts a hearing if you do not move out.
An official eviction (called a "forcible detainer" in Kentucky) can occur only after a judge’s ruling.

Tip: Do not ignore court notices. Attend all hearings to protect your rights.

Official Kentucky Forms You May Encounter

Forcible Detainer Complaint (AOC-216): Used by the new property owner to start the legal eviction process after foreclosure. If you receive this form, it means they are formally asking the court to remove you.
View the Forcible Detainer Complaint (AOC-216)
Practical Example: If you receive this complaint, carefully read the court date and prepare your paperwork. You have the right to explain your situation at the hearing.
Summons (AOC-105): Issued by the court to notify you of the upcoming hearing related to the eviction.
View the Kentucky Civil Summons (AOC-105)
Practical Example: This form tells you when and where your court hearing is. Mark the date and plan to attend.

Kentucky Tribunal for Tenant Disputes

Residential tenancy disputes—including evictions after foreclosure—are handled by your local Kentucky District Court system. Each county has a District Court office where you can file paperwork or ask questions about your case.

Your Rights and Legislation

Kentucky renters’ rights are covered under KRS Chapter 383: Kentucky Uniform Residential Landlord and Tenant Act (KRS 383). However, not all counties have adopted this act, so always check with your local court. Regardless, the Protecting Tenants at Foreclosure Act applies statewide and sets minimum requirements.

Right to 90 days’ written notice before eviction due to foreclosure
The new owner must follow proper legal procedures
If evicted, you may request your security deposit back from your former landlord

It’s essential to keep copies of your lease, payment history, and any notices. This documentation can help protect your rights in court or with the new owner.

Steps to Take if You Receive a Foreclosure or Eviction Notice

Read all notices thoroughly to understand your timeline
Respond to court summons and attend your scheduled hearing
Gather all relevant documents (lease, payment records, communications)
Seek legal assistance if you have questions or disputes

Acting quickly helps protect your home and ensures you access all legal rights.

FAQ: Kentucky Renters & Foreclosure

How much advance notice do I get if my rental is foreclosed in Kentucky?
Federal law requires at least 90 days’ written notice before eviction in most foreclosure cases involving renters.
Can I stay until my lease ends after foreclosure?
If you have a fixed-term lease, you often have the right to stay until the lease expires, unless the new owner plans to move in and live at the property.
Who do I contact if I receive eviction papers after foreclosure?
Contact your local Kentucky District Court for information about hearings, and consider reaching out to civil legal aid for support.
Do I still get my security deposit back?
You are generally entitled to the return of your security deposit when you move out, unless it is used for unpaid rent or damages.
Where can I find the official Kentucky eviction forms?
Common forms like the Forcible Detainer Complaint (AOC-216) are available at the Kentucky Courts Legal Forms page.

Key Takeaways for Kentucky Renters

You have the right to stay in your rental for at least 90 days after foreclosure notice.
Always attend court hearings and respond to official notices promptly.
Seek legal help or official guidance for questions or disputes.

Staying informed and proactive protects your housing rights during the foreclosure process.

Need Help? Resources for Renters

Kentucky District Court Locator: Find your local court for eviction hearings and tenant questions.
Kentucky Legal Aid: Free tenant legal advice and assistance with eviction and foreclosure issues.
Kentucky Courts Legal Forms: Access official court forms, including eviction-related documentation.
KRS Chapter 383: Kentucky Landlord-Tenant Law: Read the state law covering rental agreements and eviction procedures.

Protecting Tenants at Foreclosure Act (PTFA): Federal Foreclosure Notice Requirements
Kentucky Uniform Residential Landlord and Tenant Act (KRS Chapter 383): Official Statute Text
Kentucky District Court: Official Court Information
Kentucky Courts Legal Forms: Download Official Forms