Yasmine, a licensed mortgage agent, is preparing to present her lender's commitment letter and borrower disclosure documents to her borrower, who is buying a semi$-$det$$ched house. In doing so$,$ she must determine what closing costs to advise her client about. Out of the following options, what is considered a closing cost?

Select one:

a$.$ Legal fees for the property purchase and mortgage

b: Legal fees for the mortgage

c$.$ MLTTI

d$.$ Subject to obtaining a satisfactory survey