A couple has just purchased a home for $315,200.00. They will pay 20% down in cash, and finance the remaining balance. The mortgage broker has gotten them a mortgage rate of 5.16% APR with monthly compounding. The mortgage has a term of 30 years. What is the size of the loan taken out by the couple? What is the monthly payment on the loan? How much interest is paid in the first payment? How much interest is paid in the first year?