A borrower is purchasing a property for $$680,000$ and can choose between two possible loan alternatives. The first is a $85\%$ loan for $30$ years at $6\%$ interest and $1$ point and the second is a $95\%$ loan for $30$ years at $6\mathrm{.}25\%$ interest and $2$ points. Both loans require monthly payments. Assume the loan will be held to maturity, what is the incremental cost of borrowing the extra money.