You find your dream home worth of $500,000. The bank requires a down payment of 20% of house value. The remaining amount will be financed by a mortgage loan. It is 15 -year mortgage with nominal interest rate of 6.000% per year. The equal monthly installments need to be paid at the end of a month. Based on the mortgage amortization schedule, what is the closing balance of outstanding mortgage loan at the end of month 2