Terry and Terri did not know a lot about each other before they got married so they did not find out that one of them has poor credit. The interest rate will be higher because of a low credit score. The new term is 4.9% for a 30-year loan. The home price is $200,000 and they must pay a 20% down payment. What is the total amount that the couple will pay for the $200,000 home, including down payment (rounded to the nearest dollar)?