I am currently studying for my CA Real Estate Exam. This question continuously comes up within my practice test and I do not know how to figure this out. Please help? Question is as follows: A buyer contracts to purchase a $75,000.00 home and puts up an earnest money deposit of $1,500.00. The commission is 5%, paid by seller. The buyer gets a $260.00 credit for real property taxes paid in arrears. A buyer obtains an 80% conventional loan at 12% interest with 3 points. What amount should the buyer bring to closing? Thank you!