A new homeowner bought a refrigerator from a discount appliance store for $635.76 after a $200 down payment, using an installment loan with an APR of 22.99%. The homeowner makes 12 equal credit card payments of 59.81 to pay off the loan. The discount appliance store charges $1.50 for every payment made by credit card. The homeowner also had to pay late fees in the amount of $25 three different times. What is the total cost of the refrigerator? Show all necessary work.
