Ms. Cochran bought a home for $155,000. She obtained a 80% mortgage at a rate of 4.5% for 30 years. Other expenses include title insurance of $399, 3 discount points, 1.5% origination fee, and attorney fees of $350. Taxes are $1,999 for the year and they have been paid. If the closing takes place on August 6, how much money does Ms. Cochran need to bring to the closing if her earnest money check was $5,000?