Date calculator · 120 days
What is 120 days from today?
Checked October 8, 2026 · first publish
Feb 4
Thursday, 2027
120 days from today is Thu, Feb 4, 2027. 120 business days from today is Fri, Apr 2, 2027. Four calendar months are 120 to 123 days long, so four months from today is usually a day or more later.
120calendar days
17weeks and 1 day
Apr 2120 business days from today
Where does the 120-day mark come from?
- Foreclosure referral wait Under 12 CFR 1024.41(f)(1) a mortgage servicer generally cannot make the first foreclosure notice or filing until the loan is more than 120 days delinquent, with exceptions such as due-on-sale violations. 12 CFR 1024.41 (eCFR)
What is the federal 120-day rule for mortgages?
A federal mortgage-servicing rule, 12 CFR 1024.41(f)(1), sets a waiting period before foreclosure can begin. A servicer generally may not make the first notice or filing required for foreclosure until the borrower is more than 120 days delinquent. There are exceptions, for example when the loan is in default because of a due-on-sale violation.
For date-counting, the phrase that matters is "more than 120 days." Day 120 itself does not satisfy it. The first day that does is day 121. So if you are tracking this rule, the date in the answer box is the last day before the threshold, not the threshold.
This page does not tell you what to do with that date. It only gives the arithmetic. If you are behind on a mortgage, the servicer and a housing counselor can tell you which options apply.
Why does four months not equal 120 days?
Four calendar months contain 120 to 123 days. The table below starts a count on the first of each month in 2027 and shows both endings. Starting Jan 1 or Feb 1, they match. Starting May 1, Jul 1 or Oct 1, the four-month mark is three days after day 120, because those stretches include three 31-day months. A deadline written in months and one written in days can be three days apart.
| Start | 120 days later | 4 months later | Difference |
|---|---|---|---|
| Fri, Jan 1, 2027 | Sat, May 1, 2027 | Sat, May 1, 2027 | Same day |
| Mon, Feb 1, 2027 | Tue, Jun 1, 2027 | Tue, Jun 1, 2027 | Same day |
| Mon, Mar 1, 2027 | Tue, Jun 29, 2027 | Thu, Jul 1, 2027 | +2 days |
| Thu, Apr 1, 2027 | Fri, Jul 30, 2027 | Sun, Aug 1, 2027 | +2 days |
| Sat, May 1, 2027 | Sun, Aug 29, 2027 | Wed, Sep 1, 2027 | +3 days |
| Tue, Jun 1, 2027 | Wed, Sep 29, 2027 | Fri, Oct 1, 2027 | +2 days |
| Thu, Jul 1, 2027 | Fri, Oct 29, 2027 | Mon, Nov 1, 2027 | +3 days |
| Sun, Aug 1, 2027 | Mon, Nov 29, 2027 | Wed, Dec 1, 2027 | +2 days |
| Wed, Sep 1, 2027 | Thu, Dec 30, 2027 | Sat, Jan 1, 2028 | +2 days |
| Fri, Oct 1, 2027 | Sat, Jan 29, 2028 | Tue, Feb 1, 2028 | +3 days |
| Mon, Nov 1, 2027 | Tue, Feb 29, 2028 | Wed, Mar 1, 2028 | +1 day |
| Wed, Dec 1, 2027 | Thu, Mar 30, 2028 | Sat, Apr 1, 2028 | +2 days |
Calculated by DayReckon. Four months from Jan 1 and Feb 1, 2027 equal 120 days exactly. From May, Jul or Oct 1, four months run 123 days. From Nov 1, 2027, day 120 is Tue, Feb 29, 2028.
What happens with a leap day in the window?
Leap days count like any other day. Start on Nov 1, 2027 and day 120 lands on Tue, Feb 29, 2028. Without the leap day it would have been March 1. The calculator handles this for any year.
This summary of 12 CFR 1024.41 is for counting dates only. It is not legal advice, and the rule has exceptions. For a real case, ask the servicer, a housing counselor or a lawyer.
Questions people ask
- What date is 120 days from today?
- It is Thu, Feb 4, 2027. Today counts as day zero. If the rule you follow counts today as day 1, the deadline moves one day earlier. Switch between the two methods in the date calculator.
- Is 120 days the same as 4 months?
- Only for some start dates. From Jan 1 or Feb 1, 2027, four months is exactly 120 days. From May 1, 2027, four months reach Sep 1, which is 123 days, while day 120 is Sun, Aug 29. When a rule says days, count days.
- What does more than 120 days delinquent mean?
- Under 12 CFR 1024.41(f)(1), a mortgage servicer generally cannot make the first notice or filing for foreclosure until the loan is more than 120 days delinquent. More than 120 means day 121 or later. The rule lists exceptions.
Sources
- 12 CFR 1024.41 (eCFR) — ecfr.gov
- OPM: Federal Holidays — opm.gov
General date information from official calendars (OPM, USNO). It is not legal, tax or immigration advice; check the agency named on the page for your own deadline.