I don't know how to get the fv, what's the logic in it

7. An ARM is made for $150,000 for 30 years with the following terms: Initial interest rate = 7 percent Index = 1-year Treasuries Payments reset each year Margin = 2 percent Interest rate cap = None Payment cap - 5 percent increase in any year Discount points- 2 percent Fully amortizing; however, negative amortization allowed if payment cap reached