Big Bank offers a lower fixed rate of 5.5% on a 20-year loan, but with closing costs of $2000 plus 2 points. They require a 15% down payment. There is a $600 appraisal fee, but free credit check. Suppose you want to pay the fees up front, how much cash will you need to cover the down payment and fees? What is your monthly payment? How much will you pay in interest? What is the total amount to paid back over the life of the loan?