You are financing a new home.

The loan is for $$308,000$ and you are getting rate of $5\mathrm{.}1\%$ per year compounded monthly.

You have decided on a $15$ year mortgage and will make monthly payments $($end of the month$).$

You will pay $4\%$ down.

To get the ball rollng, you are working extra hours and expect to pay an extra $$405$ per month to knock down the principle.

You make these payments for $6$ years starting on month $37.$ The last EXTRA payment is on month $108.$

Build the amortization table.

What month will you make your last payment?

How much will the last payment be$?$