Brianna 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, $1050 for 6 months of property tax, $150 for the title fee, and $400 in transaction fees. Brianna also agreed to pay three points in exchange for a 0.75% reduction in interest rate. Determine the amount of money Brianna needs to cover closing costs. Round your answer to the nearest cent