In which of the following cases would you most likely buy a point when closing on a home loan?

Buying a point makes sense when the payment savings add up over time and exceed the upfront cost. In choice D, the $14 monthly reduction lasts 7 years, saving $14 × 84 months = $1,176. That is the greatest total savings among the choices, and the longer time in the home gives you more opportunity to benefit.

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