Refinancing is 3.67 with little to no closing cost good

[Bradley G Fagg]

I’m wondering if it’s better to buy down and pay close to 6K in closing cost to get 3.37 percent or should I take the higher interest rate and get lower closing cost. I’m not sure it shows on an atomization chart the lower rate saves me more money long term but if I’m only planning on living here 10 years is it still better to buy down the percentage it’s 30 dollars a month different on the payment.