Short answer. Between ninety and one hundred twenty days from the entry of judgment. Once the court finds the mortgage debt proven, it orders payment within that window; only if you default on paying within that period does the property proceed to a public auction sale.
What the law says
it shall ascertain the amount due to the plaintiff upon the mortgage debt or obligation, including interest and other charges as approved by the court, and costs, and shall render judgment for the sum so found due and order that the same be paid to the court or to the judgment obligee within a period of not less than ninety days nor more than one hundred twenty days from the entry of judgment, and that in default of such payment the property shall be sold at public auction to satisfy the judgment.
Rule 68, Section 2 — Judgment on foreclosure for payment or sale. Read the full provision →
The court fixes the exact amount due before setting the deadline
Judicial foreclosure does not skip straight to a sale. The court first has to ascertain the amount due to the plaintiff upon the mortgage debt or obligation, including interest and other charges as approved by the court, and costs. Only once that figure is settled does the court render judgment and set the payment period — the debtor is entitled to know precisely what has to be paid, not an estimate.
The payment period has a fixed floor and ceiling
The window for payment is not less than ninety days nor more than one hundred twenty days from the entry of judgment. This is not a fixed number the court applies mechanically in every case; it is a range within which the court sets the actual period, but it can never go below ninety days or above one hundred twenty, giving the debtor a real, legally guaranteed minimum window regardless of what the court decides within that range.
The sale is a consequence of missing the deadline, not automatic
The rule is explicit that the property is sold in default of such payment — the public auction is triggered specifically by the debtor's failure to pay within the period the court set, not by the mere existence of the judgment. Paying the full amount ascertained by the court within the fixed window avoids the sale altogether, and nothing in the rule forces a sale where payment is made on time.
Why the payment period matters to a mortgagor
This period is a real opportunity to keep the property by satisfying the debt, distinct from the redemption rights that may apply after an actual sale takes place. Anyone facing a judicial foreclosure judgment should treat the ninety-to-one-hundred-twenty-day window as the most direct chance to resolve the debt on their own terms before the property changes hands through a public auction, since options generally narrow once the sale has actually occurred.