assume two borrowing alternatives for purchasing a property for $300,000: 1) fha loan: 5% loan-to-value ratio, 6.5% interest rate, 30 years. mortgage insurance is $150 per month. 2) conventional loan: 80% loan-to-value ratio, 6% interest rate, 30 years. no mortgage insurance assume the loan is repaid after 10 years instead of being held for the entire loan term, what is the impact of early repayment on the incremental borrowing cost?