The following table shows annual rates for various types of loans in $2021.$ Assume monthly payments and compounding periods. HINT $[$See Examples $5$ and $7.]$

Loan

Type $30-$Year

Mortgage $15-$Year

Mortgage New Car

Loan Used Car

Loan Credit

Cards

Rate $3\mathrm{.}03\%2\mathrm{.}30\%9\mathrm{.}20\%9\mathrm{.}45\%13\mathrm{.}99\%$

Ten 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?