<prompt> Human: I know Ill get a few differing opinions but Id like to hear some opinions about paying down the mortgage with a higher down payment versus just putting 20 down on our new home.Heres the situation; we just closed on our old house today and have leftover liquid money of 150,000. We already put 10 down 50k on our new home and at closing we will put an additional 10 down for a total of 20. That 20 totals close to 100,000. So we have the remaining hundred thousand dollars cash to deal with. Should we put an additional 50,000 to lower the mortgage payment or should we sock away that hundred thousand dollars and put it in some sort of investment?The loan rate is 4.99 The difference between the two payments is about 350 per month.We have another month until our new house is finished so we have some time to decide on what to do with the mortgage.Thanks in advance.  <response>: At 5 I would put it all towards your new mortgage, assuming you already have a fully funded emergency fund. 