Usually less pricing power than sellers hope. An assumable low rate sounds like a strong selling point, and a few mechanics cut the real premium down. The buyer still has to qualify for the assumption with the servicer that holds the loan. And the buyer has to fund the gap between your sale price and your remaining balance, out of pocket, through seller financing, or with a second mortgage at market rates. Since ultra-low rates were generally locked before a big run-up in prices, that gap is often large, which shrinks the pool of buyers who can bring the cash to assume. Loan type matters too. On an FHA loan, an illustrative 3% note is worth less than the headline once the buyer adds the mortgage insurance on top. On a VA loan, a non-veteran actually can assume it, which surprises a lot of people, but your entitlement stays tied up in that loan until it is paid in full or an eligible veteran buyer substitutes their own entitlement. Getting released from liability is a separate question; a release does not hand your entitlement back. So you may not have your full VA benefit available for the next home in the meantime. Put together: market the assumable rate as a feature, because it carries real appeal, and expect the quantifiable price premium to be modest and very property-specific. Price the entitlement trade-off into whatever premium you would ask before agreeing to let a buyer assume.