Bruce Wayne is buying a $195,000 condominium apartment in downtown Gotham City. The down payment is 20% and the balance will be financed with a 20 year fixed-rate mortgage at 7.75% and 2 discount points. The annual property tax is $2,950, and the hazard insurance premium is $800. When Bruce signed the original sales contract he put down $10,000, which will be credited to his down payment. In addition, at the time of closing, he must pay the following expenses. Appraisal fee of $150; credit report fee of $75; attorneys fee of $500; roof inspection of $50; termite inspection of $100; title search of $125; and mortgage insurance premium of 1.5% of amount financed. How much does Bruce need to bring with him to the close of escrow signing?