Mrs. Cooper built many houses and is offering mortgage rates of 10% with a 15 year term. The present rates are 10.75%. Fifth Bank will provide the loans, if Mrs. Cooper pays an equivalent amount up front to buy down the interest rate. If a house is sold for $209,000 with a 90% loan, how much would Mrs. Cooper have to pay to buy down the loan? (Discount the difference in payments at the current market rate)