You are closing on a house. You have Fair credit (650 credit score) and as a result received an 8.8% interest rate. You took out a mortgage loan for $530,000 and did not put a down payment of 20%, but instead put down 6% down payment, which results in PMI of 1%. You want to reduce your total interest rate from 8.8% to 3.8% which means that you will need to pay an origination fee of 5% on the total loan amount. Other fees include $300 loan application fee and $550 appraisal fee, $920 for title search and insurance, $1000 attorney fee. How much will you need, including the down payment?