You borrow $365,000 through a 30-year fixed-rate mortgage at an interest rate of 2.5% and a monthly payment of $1442.19. You observe that 10 years after taking out the mortgage, mortgage rates fall to 1.85%. If you have no cash on hand and closing costs on a new mortgage are $8,500, what would be your gain from refinancing? If you determine that you will refinance, report the gain from refinancing. If you determine that you will not refinance, report a gain of 0.

(If your solution is $444 then enter "444" as the answer. Precision is 1 +/- 2.)