A lakefront house in Kingston, Ontario, is for sale with an asking price of $$690,000.$ The real estate market has been quite active, so the house will almost certainly attract several offers, and may sell for more than the asking price. Charlie is very eager to purchase this house, but is concerned that he may not be able to afford it$.$ He has $$158,000$ available for a down payment, and can pay up to $$4,000$ per month on a mortgage loan. As Charlie is a long$-$time customer, his bank has offered him a great mortgage rate of $3\mathrm{.}20$ percent on a one$-$year term. If the loan will be amortized over $15$ years, what is the most that Charlie can afford to pay for the house? $($Round effective monthly rate to $4$ decimal places, e$.$g$.5\mathrm{.}1235\%$ and final answer to $2$ decimal places, e$.$g$.125\mathrm{.}12.$ Do not round your intermediate calculations.$)$