Maria plans to buy a house for $400,000. A bank offers her a 30-year loan, with equal annual payments at the end of each year, with an interest rate of 4% per year. The bank requires that Maria pay 15% of the purchase price as a down payment.

How much Maria has to pay as the annual loan payment? Enter your answer in the following format: 12345.67 Hint: Answer is between 17302.77 and 21628.46