You purchased your dream home six years ago for $250,000 and were able to secure 100% mortgage financing. Your loan is paid monthly and was originally for 30 years. The stated annual interest rate was 6.0%. Due to some financial difficulties, it's necessary to sell the house today which is worth $180,000. The difference between your current mortgage balance and today's sales price is $ 1) 58,495 2) 38,495 3) 48,495 4) 68,495 5) 78,495