You are buying a home with a price of $220K. You have decided on a down payment of 20% ($44K) and now you must choose a payment plan. On one plan, you would pay $879 per month for 30 years; on the other plan, you would pay $1,291 per month for 15 years. Assuming an interest rate of 4%, what is the net present value of each payment plan (including the down payment)?