Larry and Laurie have found a home and made a $106700 offer that has been accepted. They make a down payment of 20%. Their bank charges a loan origination fee of 0.9% of the loan and points of 1.5% (both are based on the loan amount). Other fees include a $25 loan application fee, a $250 appraisal fee, and $360 for title search and insurance. How much cash will Larry and Laurie need at closing? (Hint: the loan origination fee and the points are not part of the loan and will be needed at closing.)