$(5)$ Arlen buys a home for $$328,000$ and makes a down payment of $$33,000.$ The balance he finances with a fifteen$-$year mortgage with monthly payments and an annual effective interest rate of $5\mathrm{.}8\%.$ There will be level payments followed by a final slightly reduced payment. Calculate the amount of interest that Arlen pays in the first five years of the loan Don't solve it with excel! Solve it with formula!!