Gary is purchasing a $210,000 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 and the title is $300 and the processing fee is $575. Including the down payment , what are his closing costs?
A. $45,892
B. $47,246
C. $42,315
D. $46,635