Could you please help me figure out the following queries?

4 months later ,can I simply pay $405 and receive the stocks under future contracts (which means i don't close the future contract and just take the stocks in accordance to future contract (long future contratc)? Must I close the long future by shorting the future, then buy stock in the spot market to repay the lender ?

Also ,the stocks which I sold was by borrowing, so I need to compensate the lender when I repay to him, is the reason why I need to minus 4% from 10% int.when I calculate the future price (400 x e*(0.1-0.4)x4/12)? Or why the dividend yield must be subtracted?

Thank you a lot !