Losing home (foreclosure) with a few years to go on mortgage, how does it work?

I know there are ways to avoid foreclosure,

but let's say it happens, maybe I'm a lone in comma in a hospital for 3 months and they don't receive payments and I don't have relatives.

If they foreclose and I'm 5 years away from paying my mortgage, how does it work.

Do they just take it and refund me nothing? Or do they take it, auction it, and refund me the sold price - what I owe them and fees for auctioning it?

Thanks,
Added (1). minus
Added (2). about how much is it in foreclosure fees?

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