Real estate deals primarily fall apart when monthly housing costs exceed buyers' comfort zones rather than because the home is unloved. Even with mortgage rates easing to six point one nine percent, if the combined monthly payment for principal, interest, taxes, insurance, and other expenses feels unaffordable, buyers hesitate or withdraw. Therefore, monthly cost comfort is crucial. Sellers and buyers should focus on realistic affordability, transparent financing, and flexible concessions to prevent deal failures influenced by rate and payment concerns.