You paid what the home was worth that day, and on a ten-year horizon the payment matters more than the price. The $650,000 list price was a marketing number chosen to draw offers. When eight buyers competed and the home cleared at $715,000, that became the market value on that day. The asking figure was simply set low, which is exactly how listing agents generate multiple offers. Remorse after a purchase this large is normal, and it cuts both ways. Had your offer been the one rejected, you would probably be sitting here regretting that you didn't go a little higher on a house you loved. The feeling is no evidence of a mistake. On the ten-year question, we won't hand you a guarantee, because nobody can promise where any specific home's value goes. Housing has historically trended up over long horizons, and a decade is a long horizon. For a forever home, though, the exact price you paid matters far less than whether the payment fits your budget for the years you plan to be there. If the payment is comfortable and the house fits your life, you won. Ten years of living somewhere you love is something you never measure to the last dollar of the purchase price.