A buyer is purchasing a home for $289,000. With 20% down. The lender will charge 2 points on the loan and $85 for a credit check. The attorney fees will be $375. The buyer has given an earnest money deposit to the title company of $3,000. There is a transfer tax on real estate and the rate is $1.50 per hundred. The property taxes are unpaid and will be prorated using a 360-day year. Annual taxes are $6,000. Closing is set for October 5th and the seller will pay for closing day. How much will the buyer owe at closing? (Round all answers to the nearest dollar.)