Rick Rueta purchased a $98,000 home at 7.5% for 30 years with a down payment of $25,000. His annual real estate tax $1,896 along with an annual insurance premium of $1,056. Rick's bank requires that his monthly payment include an escr deposit for the tax and insurance. What is the total payment each month for Rick? (Use Table 15.1) (Round your answer to the nearest cent.)