Which rate would you choose? Trying to determine if buy down or par rate

[Rahnesha White]

Im trying to decide between the 20% down with 744.02 for the buy down or just put 25% down and do the par rate with no points/buy down. Its only like a $3,000 difference from putting 20 % down versus 25% down but would rather have to bring less to the closing table. I kept hearing buying down the rate isnt worth it...Thoughts!