 for him the 321 buy down cost 15 almost 16 000 so the builder was giving him 20 so i ran one with him using up all the money on the 321 using it up on the 2-1 he was able to get all all of his closing costs paid and the buy down on a 2-1 buy down he picked the 2-1 he picked i don't think you need the 3-2-1 you don't need the 3-2-1 but he had interference when i started in 1992