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The median home price in the United States is around $400K.

If you finance that at 20% down for a 30 year term, you'll pay around $528K in interest at 8.03%, but only around $470K at 7.3%.

Also, the monthly payment will be a couple of hundred bucks less.

A percent or less adds up to big bucks when you're talking about hundreds of thousands of dollars financed over a 30 year term.

The average motgage duration was something like 7 years so the net present value of that is in the 10-20k range but still big bucks.

Nope 75bps would cost you a lot of money to buy down. It’s a big move unusually big

I cant tell if this is sarcasm or not

It's not sarcasm.