John is buying a house for a price of $500,000. He is making a 20% down payment with cash, and paying the balance with a mortgage. The mortgage is a 30 -year loan with monthly payments, and the annual interest rate is 6%. Which of the following functions will calculate the correct monthly payment? =PMT(6%,30,500000)=PMT(6%/12,3012,500000)=PMT(6%/12,3012,50000080%)=PMT(6%/12,30,50000080%)