They say that the two happiest days of a boater's life are the day you buy your boat and the day you sell your boat. I could use a happy day in my life, so I decide to buy a $33\text{'}$ Riva Aquariva Super that costs $$500,000.$

Although I am excited to finally purchase my first boat, I won't let myself spend any more than $$99,999\mathrm{.}99$ in interest. I am willing to make any down payment to avoid paying six figures in interest. If I can get a five year loan with an APR of $8\mathrm{.}27\%($with monthly compounding$),$ how large should my down payment be to keep my total interest paid no higher than $$99,999\mathrm{.}99$ over the life of the loan?