Bill and Kim Johnson are purchasing a house for $266,000. Their bank requires them to pay 20% down payment. The current mortgage rate is 9% interest and they are required to pay one point at the time of closing. Determine the total amount bill in Campbell pay for their house including principal, interest, down payment and points. Do not include taxes and homeowners insurance for the following lengths of their mortgage.

a) 10 years

b) 20 years

c) 30 years