paying your bills on time if not your credit will go down
Answer: A title and a hooking intro.
Explanation: For any writing no matter what it is you must always have a title and a good thesis/hook. If you do not have that it will be a very weak personal finance paper. Any paper you wrote or will write, would be bad without these topics. I hope that this is helpful to you. Have a good weekend!
B. down payment
C. closing costs
D. all of the above