John is purchasing a house for $100,000, seeking a mortgage loan for $80,000 or 80% loan to cost. He was offered a loan of at 6% fixed for 30 years. What will Johns monthly payment be? What is the mortgage constant?

5 years later they have a divorce. As part of the settlement they mutually agree to sell the property and pay off the mortgage. What would they have to pay the bank at the end of the 5 years? (60 months)