Brianna is buying a house for $210,000. She plans to make a 14% down payment. Closing costs include $650 for 6 months of homeowners insurance, $600 for 6 months of property tax, $125 for the title fee, and $350 in transaction fees. Brianna also agreed to pay two points in exchange for a 0.5% reduction in interest rate. Determine the amount of money Brianna needs to cover closing costs. Round your answer to the nearest cent.