You purchase a house for $$1\mathrm{.}4$ million. You put down a $20\%$ down$-$payment and take a mortgage for the remainder. The mortgage is amortized over $30$ years. The borrowing rate is negotiated at $12\%$ compounded semi$-$monthly, and you plan to make semi$-$monthly payments for a $4-$year term. Find the balance still owing at the end of the term. Use the present value of remaining payments method. The solution is with $$2000$ of which of the following?