If you're buying a home, you can't add them to your mortgage but you can add them if you're refinancing and have enough equity in your home to be able to do so. Most homeowners that refinance their home either put it in their loan as they don't necessarily want to take funds from their savings or they opt to have the lender pay for them thru a lender credit. Keep in mind that refinancing offers a homeowner to get a lower rate, and/or a lower payment or even the opportunity to take some equity out of their home for projects, debt pay off or for investing, but one of the biggest advantages of refinancing is it offers one to have increased liquidity for those life events in the future where you may need the funds for some unexpected expenses. Many homeowners like to put additional payments into their loan to pay off their loan sooner but it doesn't lower your payment if you have a fixed rate mortgage, only your principal balance. And once you give it to your lender, you can't have it back. In my opinion, you're better off finding a better use of those funds, especially at today's very low interest rates.