The "bid" amount at the trustee sale is determined by the lender's loan servicing company to include your principle balance, past due payments, accrued late charges, property taxes owed at the time of the sale, foreclosure attorney's fees and trustee's fees. There is an allowable cap on the amount an attorney and a trustee can charge based upon amount of your loan. It isn't a bad idea to check to see if this cap has been breached by over inflated costs. You can search the web for the calculation provided by your state in regards to these costs as well as other costs that may be allowable in the District of Columbia. Every state varies especially if a state is a judicial or non-judicial foreclosing state.