A homeowner bought a dryer from a discount appliance store for $813.99 and makes 12 monthly payments of $72.38 with a credit card. The store charges $1.25 for every payment made with a credit card. The homeowner also had to pay late fees in the amount of $35 four different times. What is the total cost of the dryer?

$1,009.81
$1,023.56
$828.99
$918.56