Dick and Jane (and their dog Spot) have just purchased a house and are calculating how much money they will need when the closing day rolls around. The purchase price is $150,000. They will make a 20% down payment, and they must pay 2 1/2 points on the loan. The title search will be $400, appraisal fee $500, application fee $900, and he will pay one percent origination fee. What is the total dollar amount they will need at closing?