D Question 3 1 pts Assume you borrow an ARM of $80,000 for 30 years. Given initial interest rate=5%, margin=2%, index rate at EOY1= 6%, EOY2=4.5%, an annual rate cap =2%, and the lender charges 3 points upfront, what is the monthly payment in year 1? 403.29 416.13 429.46 443.35