First home. 2-1 Buydown worth it? So we are in the works of negotiating a home. The home price is $565k and the seller agreed to go down to $555k + $20k for closing/rate buy down. We are believe this is a fair amount for what the house is worth. My question is, is it worth it to spend some of that $20k on a 2-1 rate buy down or not? The seller is paying for this. Or should I sp…