If Helen's closing costs and down payment are $4,800 and she provided $2,500 as earnest money, how much must she bring to closing?

To determine how much Helen must bring to closing, we need to start by calculating her total out-of-pocket costs at closing, which include her down payment and closing costs. In this case, her down payment and closing costs total $4,800.

Next, we consider the earnest money that she has already provided, which is $2,500. This amount is typically credited towards her total closing costs.

To find out how much she still needs to bring, we subtract her earnest money from her total closing costs:

$4,800 (total costs) - $2,500 (earnest money) = $2,300.

Thus, Helen needs to bring $2,300 to closing. This calculation accurately reflects the process by which the initial payment is subtracted from total expenses to find the remaining balance needed to complete the transaction, making this choice the correct answer.