Discount points for a lower interest rate

[Carla Mastrangelo]

hi, 

I am closing on my first property in May, which is a condo. I am eligible for rate of 4.125% at not additional closing costs, however I can purchase a lower rate (as low as 3.875%). I am conflicted about whether or not it's worth it to pay additional upfront costs and have a slightly lower monthly payment or stick to a higher rate with a highly monthly payment but no additional upfront costs. The purchase price is 210k and I'm putting 5% down. I can buy 3.875% for 2k at closing or 4.0% for $1200. Or as I mentioned above, 4.125% at no additional costs. The difference in my monthly payment between 3.875 and 4.125% is $30/month.

Help!