Noel purchases a house and gets a $15-$year mortgage for $$145,000$ at $4\%$ APR. In addition to the monthly payment, the lender requires him to pay into an escrow account for the homeowners insurance and property tax. His homeowners insurance is $$1000$ per year and the property tax is $$2000$ per year. Determine the monthly payment to the lender that includes the insurance and property tax. Round your answer to the nearest cent.