I just need d, please

2. Laurie has been renting an apartment for a few years and is considering buying a house. Her gross annual income is $48 000. Laurie finds a house she likes, with a cost of $145 000. She has saved up enough money to cover the closing costs plus an additional $25 000 for a down-payment. a) Laurie's down payment is less than 25% of the purchase price, therefore she must pay mortgage insurance. A premium of 1.75% of her mortgage amount is added to the principal. Determine the total mortgage Laurie requires. b) The mortgage is amortized over 25 years, with an interest rate of 7.25% la, compounded semi-annually. Use the TVM Solver to determine Laurie's monthly mortgage payments. N= I%= PV= PMT= FUE P/Y= CAY= PMT:ERL BEGIN c) The annual taxes on the house are 1.35% of its value. Determine the amount of taxes Laurie must pay monthly. d) The previous owner of the house calculated that the annual heating expenses were $1200. Laurie still has a monthly student loan of $150 and a monthly car payment of $400. Determine Laurie's Gross Debt Service and Total Debt Service ratios. Based on these values, comment on the affordability of this house