Based on the information the amount that the borrower have to pay is $13,000.
2 points represent 2% of the loan amount of $610,000.
Now let calculate the amount to pay using this formula
Amount=(Loan amount× Loan amount percentage)+ Closing costs
Where:
Loan amount=$610,000
Loan amount percentage=2%
Closing costs=$800
Let plug in the formula
Amount=($610,000 x 2%) + $800
Amount= $12,200 + $800
Amount=$13,000
Inconclusion the amount that the borrower have to pay is $13,000.
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