31. Compute the stated principal and constant monthly payments due on a 30-year mortgage that has an APR of 5.13% and that has 2.5 points but enables you to borrow $498,007 dollars in cash (net of the points) in order to buy a house (which you have contracted to purchase for $598,007 dollars using a $100,000 down payment).

please use formula and show work. No excel.