Brianna is buying a house for $190,000. She plans to make a 14% down payment. Closing costs include $400 for 6 months of homeowners insurance, $1200 for 6 months of property tax, $125 for the title fee, and $450 in transaction fees. Brianna also agreed to pay two points in exchange for a 0.5% reduction in interest rate. Determine the amount of money Brianna needs to cover closing costs. Round your answer to the nearest cent.