请教一个OG12-55题的解释

kakadinho

Many house builders offer rent-to-buy programs that enable a family with insufficient savings for a conventional down payment to be able to move into new housing and to apply part of the rent to a purchase later.

(A)   programs that enable a family with insufficient savings for a conventional down payment to be able to move into new housing and to apply


(B)   programs that enable a family with insufficient savings for a conventional down payment to move into new housing and to apply



(C)   programs; that enables a family with insufficient savings for a conventional down payment to move into new housing, to apply



(D)  programs, which enables a family with insufficient savings for a conventional down payment to move into new housing, applying



(E)   programs, which enable a family with insufficient savings for a conventional down payment to be able to move into new housing, applying

后面关于选项D  E的解释，有一句是：
applying following a nonrestrictive clause suggests incorrectly that the builders, not the family, are applying the rent.

我想问问如何看出来，applying是modify 最前面的主语builders的。
分词修饰这块我最弱了，期待NN解答

kakadinho

补充一下，紧接着的56题， A B C的解释又说 fashioned modifies Empire(the closest noun)

分词的修饰真是变化万千啊