Tough question, pay down your house or hold gold for its future value. If your interest rate is 5 to 7% on your house, and you pay x amount down, would you be better off holding gold for its future value or saving the 5 – 7 % interest on whatever you pay down. Seeing that gold took a dump this week and they are starting to talk about disinflation where commodities start to loose value it might be wise to choose the long term benefit of selling your old gold now and saving the 5 to 7 % interest long term.