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Kentucky judgment sale bonds.
From $125.
When you buy real estate at a Kentucky judicial (master commissioner’s) sale and pay the balance over time rather than in full, you must sign a sale bond with surety under KRS Chapter 426. The bond equals the unpaid purchase price — pricing is 2% of the bond amount plus a $25 fee, $125 minimum, calculated for you below.
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Three steps to bonded at the sale.
A judicial-sale bond turns around fast because the sale terms demand it — enter your amount, consent to a soft pull, and deliver to the master commissioner. Here is the whole thing:
Apply online
Your details, the case and the master commissioner, the bond amount (the financed balance), and the effective date — plus a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.
Deliver to the master commissioner
Pay online and receive the executed sale bond, ready to sign and deliver to the commissioner to complete your purchase. Wet-ink originals mailed whenever they insist.
What it is and who needs it.
What the judgment sale bond actually guarantees
When a Kentucky court orders real estate sold to enforce a judgment — a foreclosure or partition sale — a master commissioner conducts the sale under KRS Chapter 426. The winning bidder can pay the full price at the sale, or pay a down payment (typically 10%) and finance the balance over about thirty days by signing a sale bond.
That sale bond must be executed with surety for the unpaid balance. Under KRS 426.705, the bond bears interest at the rate the judgment bears, from the date of sale until paid, and has the force and effect of a judgment — so it’s a serious obligation, not a formality.
The bond guarantees that you, the purchaser, actually pay the balance you bid. If you don’t, the court can enforce the bond against you and your surety. It is not insurance for you — if the surety pays, you repay the surety. Buyers who pay as agreed treat it as the price of financing the balance instead of paying all cash.
You need this bond if you are
One application, soft pull only.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and the executed sale bond is issued when you pay.
Start the application →Common questions.
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Judgment sale bond, sorted today.
Priced at 2% of the bond amount plus a $25 fee, $125 minimum, one soft pull that never affects your score. Enter the balance you’re financing and deliver to the master commissioner.