Mortgage lenders base the mortgage interest rate they offer you on your credit rating. This makes it financially critical to maintain a credit score of $740$ or higher. How much more interest would you pay on a $$195,000$ home if you put $20\%$ down and financed the balance with a $30-$year mortgage at $478$

$\%$ compared to a $30-$year mortgage at $312$

$\%?$