What is the total monthly payment with monthly mortgage insurance and escrows on the following FHA mortgage during the first year of the loan: Gross loan amount including up-front mortgage insurance premium: $183,150 Average balance of base loan amount in first year: $178,416 Interest rate and term: 4% for 30 years - Annual premium rate for FHA mortgage insurance (paid monthly): 0.85% Annual property taxes and insurance (paid monthly): $4,500 (Input your answer rounded to the nearest whole penny and without the \$ sign, e.g., 1000.01)