On Kyle Thomason's $$400,000\mathrm{.}00$ loan, the lender charges a $2-$point service charge. In this situation, how much will Kyle have to pay for this service charge at closing, and how would such a charge appear on the statement?

$$800\mathrm{.}00,$ as a debit to the buyer.

$$8,000\mathrm{.}00$ as a credit to the buyer.

$$8,000\mathrm{.}00$ as a debit to the buyer.

$$80,000\mathrm{.}00$ debit to the buyer.