John and Laura own their home in Akron, Ohio, currently assessed for property taxes at $312,000, and aggregate property taxes run 2.25% of taxable value annually.  Their original mortgage, taken out five years ago, was for $232,000 and financed for 30 years at 3.75%.  Their monthly mortgage payment for principal and interest is ? , and after making 59 monthly payments their current mortgage balance is ? 

The annual cost of their homeowner's insurance is $2,020