Suppose you have found the house of your dreams. The selling price is $189,900. You have a mortgage offer for 30 years at 5.74%, compounded monthly, for a loan that is for 100% of the value. However, you have saved up enough so that you can actually pay 15% down if you choose. If you do the latter, you will obtain a 25 year loan at a rate of 5.42%, compounded monthly. What is the difference in the amount of interest you would pay with the two loan options?