Rick Rueta purchased a $98,000 home at 4 % for 30 years with a down payment of $25,000. His annual real estate tax is $1,896 along with an annual insurance premium of $1,056. Rick's bank requires that his monthly payment include an escrow deposit for the tax and insurance. What is the total payment each month for Rick? (Use Table 15.1.) Note: Round your answer to the nearest cent. Total monthly payment $ 394.91