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A homebuyer bought a house for $245,000. The buyer paid 20% down but decided to finance closing costs of 3% of the mortgage amount. If the borrower took out a 30-year fixed-rate mortgage at a 5% annual interest rate, how much interest will the borrower pay over the life of the mortgage? A. $224,655 B. $180,622 C. $228,477 D. $188,265 E. $248,575