u/Bright_Meringue9973

Hello,

I’ve got a $25,000 seller credit and anticipate closing costs and prepaid to be about $13,000.

I’m willing to bring additional cash to close, but also have about $12,000 remaining to buy down a loan.

I’ve been offered some products which include a temporary buydown (1 year or two year) and obviously some with points.

How do you weigh these options? Just based on the anticipation of refinancing at a lower rate in the future?