You take out a mortgage to buy a house worth $$400,000.$ The down payment is $20\%,$ the annual interest rate is $4\%,$ the term of the mortgage is $30$ years, and payments are monthly. What are your monthly payments?

a$.$ $$1,432$

b$.$ $$1,528$

c$.$ $$1,623$

d$.$ $$1,719$

e$.$ $$1,824$