The following table shows annual rates for various types of loans in $2021.$ Assume monthly payments and compounding periods. HINT $[$See Examples $5$ and $7.]$LoanType$30-$YearMortgage$15-$YearMortgageNew CarLoanUsed CarLoanCreditCardsRate$3\mathrm{.}03\%2\mathrm{.}30\%9\mathrm{.}20\%9\mathrm{.}45\%13\mathrm{.}99\%$Six years into your $15-$year $$400,000$ mortgage begun in $2021,$ you inherit your rich uncle's estate and decide to pay off the outstanding principal on your mortgage. What is that amount? Hint $[$Use the formula in the Before we go on discussion in Example $6.]($Do not round the payment amount to the nearest cent. Round the final outstanding principal to the nearest cent.$)$$ Incorrect: Your answer is incorrect.