18. Duane is purchasing a home for $351,000. He makes a 30% down payment and obtains a 20-year fixed rate mortgage loan at 5% annual interest. His monthly payments are $1,621.51. He pays an intangible tax of 0.2%. Which of the following is the total cost of principal, interest, down payment, and amount of intangible tax? (4 points) $389,162.40 $494,953.80 $495,164.40 O $389,653.80