Caleb is applying for a loan that requires no down payment. Which statement is true?
A.
If Caleb makes a down payment, it will lower the total cost of the loan.
B.
If Caleb makes a down payment, it will raise the total cost of the loan.
C.
If Caleb makes a down payment, it will increase the loan term.
D.
Making a down payment has no effect on the total cost of the loan.
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