Sam is considering purchasing a new car from Slimys Sports Car Emporium. The car costs $25,000, and Sam has a down payment of $5,000. Slimy is offering Sam a 5-year loan with an interest rate of 5.5% / yr compounded monthly. To encourage Sam to make the purchase, Slimy offers to throw in free floor mats, a lifetime car wax, and VIN number (vehicle identification number) window etching. The monthly loan payment is $412.02. Based on the purchase price, down payment, and interest rate, what should the loan payment be?