A borrower takes out a 30-year adjustable rate mortgage loan for $200,000 with monthly payments. The first two years of the loan have a "teaser" rate of 4%, after that, the rate can reset with a 5% annual payment cap. On the reset date, the composite rate is 6%.

What would the Year 3 monthly payment be?...

Answer=$1,003

Assume that the loan in the previous question allowed for negative amortization. What would be the outstanding balance on the loan at the end of Year 3?

Answer=$192,337

I understand the first part but I was wondering how I could get the answer ($192,337) for the second part with just using a financial calculator? Please provide me with the numbers and its functions