Sam just bought a house in Texas. To help pay for it, she took on a mortgage of $530,000. The APR is 5.12% and it has a 30-year term with monthly payments. She is curious about the amortization of this loan. a. In the first year, how much principal will she pay down? How much interest will be owed in that year? b. In the 20th year (i.e., between years 19 and 20), how much how much principal will she pay down? How much interest? a. In the first year, how much principal will she pay down? How much interest will be owed in that year? Principal $ . (Round to the nearest dollar.) Interest $ (Round to the nearest dollar.) b. In the 20th year (i.e., between years 19 and 20), how much how much principal will she pay down? How much interest? Principal $ . (Round to the nearest dollar.) Interest $ (Round to the nearest dollar.)