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 A mortgage surplus, also known as excess funds or overage, is the amount of money remaining after a foreclosure sale when the property sells for more than the mortgage balance. The money is owed to the last owner of record at the time of foreclosure. 

 A tax sale surplus, also known as excess proceeds or tax sale overage, is the money left over after a foreclosed property sells for more than the amount owed in back taxes. The money is owed to the last owner of record at the time of foreclosure.