help on financial calculator

You want to buy a new car. The car you picked will cost you $35,000 and you decide to go with the dealer's financing offer of 3.9% APR compounded monthly for 60 months. Unfortunately, you can only afford monthly loan payments of $400. However, the dealer allows you to pay off the rest of the loan in a one time lump sum payment at the end of the loan. How much do you have to pay to the dealer when the lump sum is due? A) $15,984 B) $14,000 C) $16,070 D) $11,000