A borrower is negotiating a $25 million, 5-year term (balloon) loan for an income-property acquisition. The lender is willing to provide a 6.0% interest only loan with annual payments, but only if the borrower agrees to make a lump sum payment at the end of the loan term, in addition to the loan balance, sufficient to provide the lender with an expected yield (YTM or IRR) of 7.25% on the loan. Determine the size of the lump sum payment that must be paid at the end of the 5-year term.