Maisie and Adam will soon move to Vancouver where they have obtained new jobs. They bought their house in Ottawa 10 years ago for $285,000 and made a down payment of $15,000. They obtained a 30-year mortgage for the remaining amount at 9% APR with quarterly compounding and constant monthly payments. They just sold their house for $320,000. They will now buy a new one in Vancouver. How much of a down payment can they afford to make on their new house? (Hint: First find the monthly payments on their Ottawa house.)