<prompt> Human: Im buying a condo for 820. 10 year tax abatement, low maint.Which mortgagedownpayment option should I pick. a 15YR at 3.25, 20 down 164 b 15YR at 3.25, 50 down 410 a 30YR at 4.3, 20 down 164 b 30YR at 4.3, 50 down 410 Im mostly likely staying in this house for 10 years.The area is appraised as stable and the price is on par with comps.  <response>: 15YR at 3.25, 20 down. At those rates, you can beat your return by investing in index funds over that 15 year period, so youre not served by putting the extra 30 in to the mortgage unless it gives you an awful lot of piece of mind. 