Maya is buying a house for $210,000. She plans to make a 12% down payment. Closing costs include $700 for 6 months of homeowners insurance, $750 for 6 months of property tax, $150 for the title fee, and $450 in transaction fees. Maya also agreed to pay four points in exchange for a 1% reduction in interest rate. Determine the amount of money Maya needs to cover closing costs. Round your answer to the nearest cent.