Yes. Section A of your Closing Disclosure will tell you. The Closing Disclosure is the lender-issued form you received at closing. Section A, origination charges, lists every fee paid to the lender or broker, and discount points appear right there, usually stated both as a percentage of the loan and as a dollar amount. If Section A shows a points charge, you paid to buy the rate down, whether permanently or through a temporary buydown. If it shows a lender credit instead, the money moved the other way and you did not. Your cross-check is the settlement statement from the title or escrow company. It records the same transaction from the closing agent's side in a dual-entry format, so points you paid appear as a debit against you. The two documents should agree. If you no longer have either one, your lender and your title or escrow company are required to keep copies and can send them to you. Once you have the points figure, compare what you paid against the rate you received. That is the starting point for judging whether a future refinance makes sense.