Andrea is buying a house for $190,000$190,000. She plans to make a 12%12% down payment. Closing costs include $600$600 for 66 months of homeowners insurance, $700$700 for 66 months of property tax, $150$150 for the title fee, and $500$500 in transaction fees. Andrea also agreed to pay four points in exchange for a 1%1% reduction in interest rate. Determine the amount of money Andrea needs to cover closing costs. Round your answer to the nearest cent.