You take out a $$120,000$ mortgage for $30$ years at $4\%$ interest. The monthly payment is $$572\mathrm{.}90.$ How much of your first payment applies to the principal balance?

$$399\mathrm{.}49$

$$173\mathrm{.}48$

$$400\mathrm{.}00$

$$172\mathrm{.}90$