Mr. Bell buys a home for an unspecified amount. He pays a down payment of $20,000 and finances the remainder for 15 years with level end-of-month payments of $1,571. The annual effective interest rate for the first five years is 5%, and thereafter it is 7%. Mr. Bell sells the house just after making his 100th mortgage payment. The selling price is $258,000. How much money will Mr. Bell get at closing? (Remember, the loan holder is paid first, and then Mr. Bell receives the balance of the inflow from the resale. Round your answer to the nearest cent.) $