Tom and Mackenzie are considering buying a townhouse for $140,745. They would make a $15,000 down payment and borrow the rest with a 30-year fixed mortgage at 5%. Annual property taxes would be $2,800, and homeowners insurance would be $560 per year. They would also need to pay $60 per month for PMI. Find their total monthly payment (PITI) for the townhouse. O $1,095.55 O $1,015.03 O $675.03 O $955.03