<prompt> Human: Following up on a previous post, I am buying my ex-husband out of the house. Including closing costs, the mortgage is 369k. Closing costs equal 4188.50 with a payment of PI of 1,761.66. If I pay closing costs separately, the mortgage is 364,100. I would pay closing costs of 4573.80 with a payment of PI of 1,738.27. I expect to have the mortgage for about 10 years at which time I expect to have separate funds to pay it off. Property taxes and insurance will be handled separately. Interest rate for both scenarios is 4.0. Should I save the closing costs to my savings and roll them into the loan or am I better off paying for the closing costs out of pocket? The house needs immediate work, the basics I can cover from savings, but it will cut into my savings quite a bit.  <response>: Thats such a drop in the bucket compared to the rest of the mortgage, Im not sure why people are even suggesting that you pay out of pocket to save, what, 25 on a monthly payment? Seems unnecessary to me. That 4k in your pocket will serve you better than 25 off a monthly payment of 1,700. If that small difference is important to you, youve got bigger problems.Youre buying a house. Things come up. Id save that for property taxes, improvement, etc. maybe even dump it in a separate savings account that you use only for the house, then use it to make mortgage payments in case you lose your job or whatever. 