You are interested in purchasing a home listed at $120,000. The down payment is 30% and the balance will be financed with a 20-year mortgage at 9% and 3 discount points. You put down a deposit (applied to the down payment) of $15,000 when you signed the sales contract. You also have these expenses: credit report, $80; appraisal fee, $100; title insurance premium, 1% of amount financed; title search, $175; and attorneys fees, $600. Find your amount due at the closing.