Suppose you found your dream house and it comes with a price tag of $ $219,000.$ You found a bank which has a LTV ratio of $85\%$ on residential real estate loans and advertised a $4\mathrm{.}2\%$ APR for $30$ year loan. Unfortunately you don't qualify for it :( However, the bank is offering you a $1\mathrm{.}5\%$ Buydown loan for $5$ years. How much would you have to pay for the Buydown loan?