<h3>Answer:</h3>
$808.38
<h3>Explanation:</h3>
The formula for the payment amount (A) on principal P at interest rate r compounded monthly for a loan period of t years is ...
... A = P(r/12)/(1 -(1 +r/12)^(-12t))
For the main loan, the payment is ...
... A = 0.80·145000·(.0475/12)/(1 -(1 +.0475/12)^(-12·30)) = 605.11
For the piggyback loan, the payment is ...
... A = 0.20·145000·(.07525/12)/(1 -(1 +.07525/12)^(-12·30)) = 203.27
So, the total of monthly payments for the two loans is ...
... $605.11 +203.27 = $808.38
