For example, if you buy your home for $69,000, and live there for 10 years, the most you will be able to sell your house for will be $77,625, including $8,620 in appreciation. In addition, you will have paid down your loan or mortgage with your monthly mortgage payments, and you will get that money as well. Exactly how much you will get depends on the interest rate of your mortgage, making your payments on time, etc.