Matt and Katie have found a home and made a $122,700 offer that has been accepted. they make a downpayment of 20%. their bank charges a loan origination fee of 0.9% of the loan and points 2.3% (both based on loan). other fees include a $50 loan app fee, a $270 appraisal fee and $360 for title search and insurance. how much cash will Matt and Katie need at closing?