Five years ago, you took out a $30-$year fully amortizing, fixed rate mortgage for $$120,000$ at $5\%$ p$.$a$.$ compounded monthly. The prepayment penalty is $2\%.$

Today, you pay $$2500$ fees to refinanced into a new $25-$year, fully amortizing, fixed$-$rate mortgage of $$130,000$ at $7\%$ p$.$a$.$ compounded monthly.

How much cash can you obtain after refinancing?