This is Present Value of a Loan or annuity:
(3076.41/1.0051667)*[1/1.0051667)^(25*12)-1]/[(1/1.0051667)-1]
=$468,547.42
P. S. Because you truncated 6.2% to 5 significant digits, the accurate answer would be slightly different if carried to 10-15 digits=$468,549.18.
