A mortgage lender has offered you a $325,000 15-year 3/1 Hybrid adjustable rate mortgage (ARM) loan with monthly payments that fully amortizes with $4,000 of origination fees. The initial rate of the offered loan is 4.2%, but future payments after the loan resets will be indexed the current 10-year T-bond rate plus a margin of 276 basis points. There are no interest-rate caps on the loan and the 10-year T-bond rate will be equal to 3.24% at the time the loan will be originated. What is the anticipated size in dollars of the 28th payment rounded to the nearest cent?