At 4.375% you have $2,116.97 monthly payments x 120 payments = $254,036 paid out over 10 years - $6,500 credit = $247,536 total cost over 10 years.
At 4.00% you have $2,024.24 monthly payments x 120 payments = $242,908 paid out over 10 years + $1,500 cost = $244,408 total cost over 10 years.
If you're sure you're going to be there for 10 years take a lower interest-rate.
However, these are numbers that your lender should have already gone over with you. And quite frankly these rates don't sound like they are the most competitive. If you want to check and see if I can get you lower terms, and if you want to work with a lender that is more thorough and transparent and educational, contact me for more.