Use PMT= P A -nt to determine the regular payment amount, rounded to the nearest cent. The cost of a home is financed with a $150,000 40-year fixed-rate mortgage at 4%. a. Find the monthly payments and the total interest for the loan. b. Prepare a loan amortization schedule for the first three months of the mortgage. a. The monthly payment is $ (Do not round until the final answer. Then round to the nearest cent as needed)