3 A mortgage agent is completing the borrower disclosure document and has the list of costs associated w this transaction. They are. Legal fees for the mortgage: $650 Title insurance $450 I CMHC premium: $8.300 Brokerage fee: $1,750 Lender fee: $2.000 Appraisal fee: $375 Prepayment penalty. $5.800 • Creditor insurance $50 Legal fees for purchase of the property: $1.200 Based on this information what is the total amount that must be included in the cost of borrowing . Select one: a. $13,525 b.512.275 c. $5.225 d. $4,400