A floating rate mortgage loan is made for $100,000 for a 30 -year period at an initial rate of 12 percent interest. However, the borrower and lender have negotiated a monthly payment of $800. If the interest rate increases to 13 percent at the end of year 2 , how much is the payment plus negative amortization in year 1 and year 5 if the payment remains at $800 ? Note: Do not round intermediate calculations. Round your final answers to 2 decimal places