The Martin's make a combined monthly income of $4,854 and are looking to buy a house. They want to spend no more than 25% of their combined monthly budget on mortgage payments. They have saved $38,775 for a down payment and closing costs. They are interested in a house that is listed at $175,600. The estimated yearly property tax for the house is $1375 and the estimated yearly homeowner's insurance for the house is $975.

a) Suppose Jane and Todd purchase the house for the price listed and make a 10% down payment. Determine the monthly payment, not including homeowners insurance and property tax, on a 30-year mortgage at 4.25% APR.

b) What is the total cost of the home, not including the homeowner's insurance and property tax?

c) How much interest is paid over the life of the loan, not including homeowners insurance and property tax?

d) Determine the monthly payment, including the homeowner's insurance and property tax, on the 30-year loan.

e) Does this monthly payment, including homeowners insurance and property tax, fit their budget?

Please detail your steps as I would like to learn from this, as well as see where I went wrong in my own problem-solving. Thank you. God Bless