please explain in baby talk..thanks

19. The Turners have purchased a house for $150,000. They made an initial down payment of 20% and secured a mortgage with interest charged at the rate of 4% per year on the unpaid balance. Assume that the loan is amortized over 30 years. a. What monthly payment will the Turners be required to make? b. What will be their total interest payment? c. What will be their equity (disregard appreciation) after 10 years