For a moderate$-$income borrower $($earning $80-120\%$ of AMI$)$: If the amount of funds advanced by the lender equals $20\%$ of the home sales price, what will the repayment need to include?

a$.$ The original down payment assistance amount $($DFA Principat$)$ plus $15\%$ of the appreciation in the home's value

b$.$ The original down payment assistance amount $($DFA Principal$)$ plus $25\%$ of the appreciation in the home's value

c$.$ The original down payment assistance amount $($DFA Principal$)$ plus $20\%$ of the appreciation in the home's value

d$.$ The originat down payment assistance amount $($DFA Principal$)$ plus $30\%$ of the appreciation in the home's value