Suppose Constance takes out a $30-$year adjustable rate mortgage loan for $$195,876$ with a "teaser" rate of $3\mathrm{.}1\%$ in the first two years of the loan, after that, the rate can reset with an annual interest rate cap of $1\mathrm{.}6\%.$ On the reset date, if the new composite rate is $5\mathrm{.}3\%.$ What would the loan balance at the end of the $3$rd year? $($Round your answer to whole number$)$