A borrower is faced with choosing between two loans. Loan A is available for $$300,000$ with a $30-$year fixed loan term and an interest rate of $7$ percent. Loan B is available for $$350,000$ with a $30-$year fixed loan term and an interest rate of $8$ percent. The borrower plans to own the property for the entire loan term.

a$.)$ What is the incremental cost of borrowing the additional funds? b$.)$ How would your answer change if $2$ points were charged on Loan B$?$