This morning, you borrowed $$280,000$ to buy a house. The mortgage rate is $9\mathrm{.}5$ percent. The loan is to be repaid in equal monthly payments over $20$ years. The first payment is due one month from today. How much of the second payment applies to the Interest balance?

a

$2216\mathrm{.}67$

b

$2213\mathrm{.}55$

c

$393\mathrm{.}30$

d

$396\mathrm{.}41$