If sending $35,000, the amount that will go to fees is $1,221.99 and the recipient will receive $33,778.01. That's 3.49% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $35,000, a payment of $36,266.18 should be sent. $1,266.18 will go to fees. That's 3.49% in fees, effectively.