Ernest is purchasing a $175,000 home and is making a 20% down payment toward the cost. He is also buying 2 points in order to lower his interest rate. The appraisal fee is $400, the title is $300, and the processing fee is $575. Including the down payment, what are his total closing costs?
A. $37,246
B. $33,143
C. $32,315
D. $39,075