22) CLOSING COST. You are closing on a house. You have "Fair" credit (650 credit score) and as a result received a 6.8% interest rate. You took out a mortgage loan for $430,000 and did not put a down payment of 20%, but instead put down 10% down payment, which results in PMI of 1%. You want to reduce your total interest rate from 6.8% to 4.8% which means that you will need to pay an origination fee of 2% on the total loan amount. Other fees include $300 loan application fee and $350 appraisal fee, $520 for title search and insurance, $500 attorney fee. How much will you need, including the down payment