Andrea is buying a house for $190,000. She plans to make a 18% down payment. Closing costs include $750 for 66 months of homeowners insurance, $1150$ for 66 months of property tax, $100 for the title fee, and $450 in transaction fees. Andrea also agreed to pay two points in exchange for a 0.5% reduction in interest rate. Determine the amount of money Andrea needs to cover closing costs. Round your answer to the nearest cent.