Casey and Drew, a married couple, purchased a home for $200,000. To acquire it, they made a cash down payment of $30,000, borrowed $20,000 from Casey's parents, and took out a bank loan, secured by a mortgage on the property, for the remainder ($150,000). After purchasing the home, Casey and Drew used Casey's salary to pay Casey's parents back. Three years later, they took out a second mortgage of $20,000, with a credit union, to make improvements. Assume they have paid mostly interest on the mortgages, not principal. If Casey and Drew default on the first mortgage, the mortgagee bank forecloses, and the house sells for $100,000 at the foreclosure sale, how are the proceeds of the sale to be distributed? Suppose the sale yields only $160,000