If an adjustable-rate 20-year mortgage for $128,500 starts at 5.0 percent and increases to 55 percent, what is the increase in the monthly payment amount? Use Exhibit 7.7. (Do not round intermediate calculations. Round your answer to 2 decimal places.) Monthly payment increase Term Rate 30 Years 25 Yanns 20 Years 15 Years 3.0% $4.22 $4.74 $5,55 $6.91 4.49 3.5 5.01 7.15 Exhibit 7-7 Mortgage Payment Factors (principal and interest factors per $1,000 of loan amount) 5.80 6.06 4.0 4.77 5.28 7.40 4.5 5.07 5.56 6.33 7.65 7.91 50 5.85 6.60 5.37 5.68 6.00 5.5 6.14 6.88 8.17 6.0 6,44 7.16 8.44 6.5 6.32 6.75 7.46 8.71 7.0 6.65 7.07 7.75 8.99 75 6.99 7.39 8.06 9.27 8.0 7.34 7.72 8.36 9.56