You are buying a house for $$150,000\mathrm{.}00$ with a downpayment of $$30,000\mathrm{.}00.$ The loan will be paid back over $30$ years with monthly payments of $$600\mathrm{.}92.$ If the interest rate is $4\mathrm{.}4\%$ compounded monthly, what would the smaller concluding payment be$?$

The concluding payment would be $