Use PMT to determine the regular payment amount, rounded to the nearest cent. The cost of a home is financed with a $130,000 30-year fixed-rato - 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 $21. (Do not round until the final answer. Then round to the nearest cont as needed.)