Carlos buys a car with a negotiated price of \(\$ 36,250\). The sales tax in his region is \(6.5 \%\). The dealer charges a \(\$ 1,200\) destination fee and a \(\$ 450\) documentation fee. He must pay for title, registration, and license plates, which come to \(\$ 21.50\). If he has a \(\$ 7,500\) down payment, how much will he have to finance?