On August 20,Mr. and Mrs. Cleaver decided to buy a property from Mr. and Mrs. Ward for $111,500. On August 30, Mr. and Mrs. Cleaver obtained a loan commitment from OKAY National Bank for an $85,600 conventional loan at 5 percent for 43 years. The lender informs Mr. and Mrs. Cleaver that a $2,230 loan origination fee will be required to obtain the loan, In addition, escrow accounts will be required for the hazard insurance (\$446) plus 2-months of property taxes ($826); however, no mortgage insurance is necessary. The loan closing is to take place September 22 and taxes are due January 1. A breakdown of expected settlement costs, provided by OKAY National Bank when Mr. and Mrs. Cleaver inspect the uniform settlement statement as required under RESPA on September 21, is as follows: Required: a. What are the amounts due from the borrower and due to the seller at closing? b. What would be the disclosed annual percentage rate as required under the Truth-in-Lending Act? c. When will the first regular monthly mortgage payment be due from the borrower