Suppose you take a $$262,17930-$year fixed$-$rate mortgage at $6\mathrm{.}2\%,3$ discount points, monthly payments. At the end of year $3$ you inherit $$18,610$ from your now$-$favorite aunt. You decide to apply this $$18,610$ to the principal balance of your loan.

What is your net interest savings over the life of the loan, assuming the loan is held to its maturity?