Question 1066264
Your question is incomplete, but I will assume that you intend to make monthly payments and that the 3.25% is compounded monthly. If either of these assumptions are incorrect, shoot me an email @ swincher4391@yahoo.com.

Anyway, to answer your question:

We need to solve for our monthly payment. Let's call it P.

So, we have that  A = P*(1-(1+r/n)^(-nt))/r, where  A is our financing amount, P is our payment,  r is our rate, n is the number of times compounded in a year, and t is the number of years we are financing over. Notice we have A = 400,  r = .0325, n = 12, and t = 20.

So  {{{400 =  12*P * (1-(1+.0325/12)^(-12*20))/.0325}}}

Simplifying  a bit we get that  {{{400 = 176.306P}}} So P ~ $2.27 a month.