Manuel$$purchases a house and gets a$20-$year mortgage for$$$$185,000$ at$3\mathrm{.}75\%$ APR. In addition to the monthly payment, the lender requires him to pay into an escrow account for the homeowners insurance and property tax. His homeowners insurance is$$$$1300$per year and the property tax is$$$$2100$ per year. Determine the monthly payment to the lender that includes the insurance and property tax. Round your answer to the nearest cent.