12. Nigel is purchasing a house for $225000 that appreciates at a rate of about 1.5% per year. He will finance this purchase with a 20 -year mortgage at an interest rate of 4.5%, compounded semi-annually, with monthly payments, where he is required to make a 15% down payment. If Nigel sells the house in 10 years at market value, what is his total cost over the 10 years? A. $114.12 B. $144677.98 C. $178427.98 D. $33864.12