Manuel purchases a house and gets a $20$

$-$year mortgage for $$140,000$

at $4\%$

APR. In addition to the monthly payment, the lender requires him to pay into an escrow account for the homeowners insurance and property tax. His homeowners insurance is $$1400$

per year and the property tax is $$1300$

per year. Determine the monthly payment to the lender that includes the insurance and property tax. Round your answer to the nearest cent.