How much might a home buyer expect to pay in closing costs on a $220,000 house with a 10 percent down payment? How much would the home buyer have to pay at the time of closing, taking into account closing costs, down payment, and a loan fee of 3 points? Explain how the composition of the principal and interest components of a fixed-rate mort-gage changes over the life of the mortgage. What are the implications of this change?