Isabella is purchasing a home for $150,000. The down payment is 15% and the balance will be financed with a 25-year mortgage at 8% and 2 discount points. Isabella made a deposit of $10,000(applied to the down payment) when the sales contract was signed. Isabella also has these expenses: credit report, $60; appraisal fee, $130; title insurance premium, 1% of amount financed; title search,$200; and attorney's fees, $400. What is the amount due at closing?