Seraphina is buying a new home for $354,000. She has already put 20% down and owes the balance plus the $400 escrow fee, five months of the annual $3,600 annual property taxes and $900 annual insurance premium, as well as one week of the $280 utility bills for the month. How much does she need to ring to the closing? (Choose closest rounded number.) Select one: O a. $356,345 O b. $281,145 O c. $345,356 O d. $285,545