30 year awful loan. What is to be paid at the end of the loan? (Try 2)

Woo first!
Nothing super confusing about this problem, just need to set it up correctly and itll do all the work for you

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<?php
$loan = 100;
$term = 360;
$rate = 1.03;

for($i=0;$i<$term;$i++){
    $loan = ceil($rate * $loan);
}
echo $loan; //4854918
?>

The following is a list of the loan balances at the end of each of the 360 months. The last number is the answer to the problem.

{103, 107, 111, 115, 119, 123, 127, 131, 135, 140, 145, 150, 155, 160, 165, 170, 176, 182, 188, 194, 200, 206, 213, 220, 227, 234, 242, 250, 258, 266, 274, 283, 292, 301, 311, 321, 331, 341, 352, 363, 374, 386, 398, 410, 423, 436, 450, 464, 478, 493, 508, 524, 540, 557, 574, 592, 610, 629, 648, 668, 689, 710, 732, 754, 777, 801, 826, 851, 877, 904, 932, 960, 989, 1019, 1050, 1082, 1115, 1149, 1184, 1220, 1257, 1295, 1334, 1375, 1417, 1460, 1504, 1550, 1597, 1645, 1695, 1746, 1799, 1853, 1909, 1967, 2027, 2088, 2151, 2216, 2283, 2352, 2423, 2496, 2571, 2649, 2729, 2811, 2896, 2983, 3073, 3166, 3261, 3359, 3460, 3564, 3671, 3782, 3896, 4013, 4134, 4259, 4387, 4519, 4655, 4795, 4939, 5088, 5241, 5399, 5561, 5728, 5900, 6077, 6260, 6448, 6642, 6842, 7048, 7260, 7478, 7703, 7935, 8174, 8420, 8673, 8934, 9203, 9480, 9765, 10058, 10360, 10671, 10992, 11322, 11662, 12012, 12373, 12745, 13128, 13522, 13928, 14346, 14777, 15221, 15678, 16149, 16634, 17134, 17649, 18179, 18725, 19287, 19866, 20462, 21076, 21709, 22361, 23032, 23723, 24435, 25169, 25925, 26703, 27505, 28331, 29181, 30057, 30959, 31888, 32845, 33831, 34846, 35892, 36969, 38079, 39222, 40399, 41611, 42860, 44146, 45471, 46836, 48242, 49690, 51181, 52717, 54299, 55928, 57606, 59335, 61116, 62950, 64839, 66785, 68789, 70853, 72979, 75169, 77425, 79748, 82141, 84606, 87145, 89760, 92453, 95227, 98084, 101027, 104058, 107180, 110396, 113708, 117120, 120634, 124254, 127982, 131822, 135777, 139851, 144047, 148369, 152821, 157406, 162129, 166993, 172003, 177164, 182479, 187954, 193593, 199401, 205384, 211546, 217893, 224430, 231163, 238098, 245241, 252599, 260177, 267983, 276023, 284304, 292834, 301620, 310669, 319990, 329590, 339478, 349663, 360153, 370958, 382087, 393550, 405357, 417518, 430044, 442946, 456235, 469923, 484021, 498542, 513499, 528904, 544772, 561116, 577950, 595289, 613148, 631543, 650490, 670005, 690106, 710810, 732135, 754100, 776723, 800025, 824026, 848747, 874210, 900437, 927451, 955275, 983934, 1013453, 1043857, 1075173, 1107429, 1140652, 1174872, 1210119, 1246423, 1283816, 1322331, 1362001, 1402862, 1444948, 1488297, 1532946, 1578935, 1626304, 1675094, 1725347, 1777108, 1830422, 1885335, 1941896, 2000153, 2060158, 2121963, 2185622, 2251191, 2318727, 2388289, 2459938, 2533737, 2609750, 2688043, 2768685, 2851746, 2937299, 3025418, 3116181, 3209667, 3305958, 3405137, 3507292, 3612511, 3720887, 3832514, 3947490, 4065915, 4187893, 4313530, 4442936, 4576225, 4713512, 4854918}