Consider a 30-year adjustable rate mortgage (ARM), which requires the borrower to make monthly payments at the end of each month. The mortgage amount is $432,000 and the APR on the mortgage is 3.65% for the first 10 years and then 3.87% for the next 20 years. Prepare a loan amortization schedule for this mortgage. Assume that the mortgage closing date is October 1, 2018. Among other things, the following columns should be included. (50) (i) Date (ii) Beginning Balance (iii) Payment (iv) Principal (v) Interest (vi) Cumulative Principal (vii) Cumulative Interest (viii) Ending Balance

I keep ending up with the final two payments resulting in a negative ending balance. Shouldn't the ending balance result in 0 exactly after the last payment?