Andrea is buying a house for $$200,000.$ She plans to make a $12\%$ down payment. Closing costs include $$400$ for $6$ months of homeowners insurance, $$600$ for $6$ months of property tax, $$150$ for the title fee, and $$400$ in transaction fees. Andrea also agreed to pay two points in exchange for a $0\mathrm{.}5\%$ reduction in interest rate. Determine the amount of money Andrea needs to cover closing costs. Round your answer to the nearest cent.