Trade price for seller incentives and lower interest rate?

[Yogesh M sayanakar]

Hello I have a simple question- there was a property that went pending for $450 and came back in the market - so my offer price $415k @ 5%/30year fixed interest with 25% down, here the builder is giving 20k towards closing - rate buy down. I was countered $450K at 4.375%/30 year fixed interest with 25% down with 30k in rate buy down money from builder. Both are somewhat equivalent in monthly PI(more or less), so I'm considering increasing my Down payment to 27% and counter at $425k at 4.375% down using all the seller incentives but anchoring on a lower cost and increasing my down payment by 2%.. which is making the most from seller incentives. My counter gives me a chance at $300+ cash flow conservatively on a brand new SFH in a growing area.

Appreciate the thoughts from the pros on this.