Tom took out a $440,000, 15-year adjustable rate mortgage with a 2.85% initial 6-month rate. The amortization table for the initial rate period is shown. After the first 6 months, the rate went up to 3.45%. Calculate the next row of the table.

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Payment Beginning Number Balance 1 2 3 4 5 6 Monthly Payment Towards Interest Towards Principal $440,000.00 $3,006.92 $1,045.00 $1,961.92 $438,038.00 $3,006.92 $1,040.34 $1,966.58 $436,071.50 $3,006.92 $1,035.67 $1,971.25 $434,100.26 $3,006.92 $1,030.99 $1,975.93 $1,026.30 $1,980.62 $1,021.59 $1,985.33 $432,124.33 $3,006.92 $430,143.71 $3,006.92 Ending Balance $438,038.08 $436,071.50 $434,100.26 $432,124.33 $430,143.71 $428,158.38