Larry and Laurie have found a home and made a $ 125,000 offer that has been accepted. They make a down payment of 10%. Their bank charges a loan origination fee of 1% of the loan and points of 1.5% (both are based on the loan amount). Other fees include a $ 25 loan application fee, a $ 250 appraisal fee, and $ 350 for title search and insurance. How much cash will Larry and Laurie need at closing?