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You can also consider the traditional refinancing breakeven formula: how long will it take you to recoup the money you spend, assuming your monthly payment decreases (divide the monthly savings by your total closing costs to figure out how many months this will take).
You must occupy the home within 24 months from the day in which construction commences. The closing costs you can deduct include the home mortgage interest, origination fees or points, prorated property taxes paid at escrow, and a mortgage prepayment penalty. You deduct them in the year you buy your home if you itemize your deductions. Other costs you can add to the cost basis include the fees to purchase the property, abstract fees, charges for installing utility services, legal fees, recording fees, surveys, transfer or stamp taxes, and owner's title insurance.