Ms. Manifee would like to purchase a new condo for $123,000. She plans to make a down payment of $54,000 and to borrow the rest of the money from the bank. The bank charges an annual percentage rate of 5% compounded daily. She agrees to monthly payments to pay off the loan in 20 years. Assume Ms. Manifee has made 14 payments and would like to pay off the balance immediately after the 14th payment. How much does she need to pay off the remaining balance on her loan?