Broker Betty is preparing a closing statement on the sale of a house for $177,000. Betty is holding a $3,000 earnest money deposit and the balance of the buyer’s down payment is $22,000. The balance of the purchase price will be financed by a new mortgage, and the buyer is paying 2 points loan origination fee. The seller’s broker will receive a 6.5% commission and the buyer will pay $2,250 in miscellaneous closing expenses. Real estate taxes for the current year are $2,050. The closing will take place on June 30. How much cash will the buyer have to bring to closing?