I believe only in rare occasions would you need to pay something afterward. This normally happens when you have second and third mortgages or equity loans on the property.

I saw 2 friends lose their homes, & tho I dunno ALL the story, I CAN tell what I saw. during a foreclosure, there’s a span of time B4 the sheriff comes & makes sure yer outta the home so the proper ppl can do whatever needs done B4 re-selling the home. they give U a certain time limit 2 find a place B4 the sheriff arrives 2 put u out. 1 friend moved right then but another had no place 2 go & they stayed til the sheriff came. needless 2 say they were taken in by their daughter. BOTH of these losses were due 2 job loss due 2 injury or layoff

In the US you will have 6-12 months (depending on the state you live in ) to live there without making payments
contact a realtor in the mean time & short sale the house – that way you won’t get the balance shoved in your face – and the realtor fees etc will all be paid by the bank since you won’t be making the payments – save up the money while you can – good luck

In the US, no.