<prompt> Human: Im buying a house for 250,000, with the seller paying 5,000 in closing costs. Weve only used 3,200 of that, so I still have 1,800 that I need to spend, use it or lose it, and I close on Monday.Im going to use some of that money to get a home warranty. Apparently, I could also go after an HVAC contract but the HVAC is still under warranty, Terminix but the inspection found no evidence of pests, or a security system but its a very low-crime area, so Im having trouble figuring out how to get the most value out of that money.Any suggestions on other things to spend the remainder on?  <response>: can you use it to make an extra principal payment on the mortgage? 