Closing Costs. Larry and Laurie have found a home and made a $146,900 offer that has been accepted. They make a down payment of 5%. Their bank charges a loan origination fee of 0.9% of the loan and points of 1.9% (both are based on the loan amount). Other fees include a $45 loan application fee, a $220 appraisal fee, and $310 for title search and insurance. How much cash will Larry and Laurie need at closing? (Hint: the loan origination foo and the points are not part of the loan and will be needed at closing.) The amount Larry and Laurie will need at closing is $ . (Round to the nearest cont.)