Andrea is buying a house for $130,000 . She plans to make a 12% down payment. Closing costs include $550 for 6 months of homeowners insurance, $600 for 6 months of property tax, $100 for the title fee, and $350 in transaction fees. Andrea also agreed to pay three points in exchange for a 0.75% reduction in interest rate. Determine the amount of money Andrea needs to cover closing costs. Round your