The buyer made an offer of 95% of the listed price of $275,000. The offer was accepted, and the buyer had a $50,000 down payment. The buyer and seller agreed to split the 3 discount points charged on the loan. The buyer paid a 1% origination fee. How much did the buyer pay in points and the origination fee

a) $5,000
b) $6,000
c) $7,000
d) $8,000