How do mortgage rates affect what I net in 2026?

Mortgage rates change what a buyer can qualify for and what your home is worth to that buyer, which flows straight into your net proceeds at closing. A higher rate shrinks a buyer's budget, which can pressure the price a home commands, while a lower rate expands it. Your own net also depends on your existing loan payoff, closing costs and any repairs negotiated after inspection. Run your specific numbers with your lender and agent rather than relying on a general estimate.