The Johnson family is interested in buying a home. The family is applying for a $200,000 30-year mortgage. Under the terms of the mortgage, they will receive $200,000 today to help purchase their home. The loan will be fully amortized over the next 30 years. Current mortgage rates are 7.5 percent. Interest is compounded monthly and all payments are due at the end of the month. What will be the remaining balance on the mortgage after five years?

a. $73,141

b. $166,752

c. $189,235

d. $195,750

e. $190,433