You need to calculate the break even point where the lower payment has covered the added closing costs.
Then determine if you’ll be in the house longer than that.
If you think this is a “few years” home – it may not make sense to buy down the rate.
If you think this is a “forever” home – and your job is stable so there’s little chance you’ll be forced to relocate for work… etc.. Then it can make sense to buy down point.
