I believe the correct answer is in the stage between the age of four and twelve.
In the one of the psychodynamic theoretic that succeeds Freud,
Erik Ericson in his psychosocial development theory divides human life in eight
mayor stages. In the fourth stage (between the age of four and twelve) achievement
might be industry and the downside might be inferiority.
You are simply asking for the equivalent of 2 points for the mortgage of $175,000. Since 1 point is equal to 1% of the mortgage, 2 points is 2% of the mortgage then.