Which option is better

Tlhe builder is agreeable to increasing the purchase price to $409,900 and also maxing out the seller credit to 6%, which ends up being about $11k more in credits to buy the rate down. Sales Down Interest Monthly Cash to Price Payment Rate Payment Close $399,900 $10,000 6.375% $2,775 $13,639 $409,900 $10,000 5.875% $2,713 $10,309