I need help on this explaining how to use the formula. how it was solve not ju the answer.

Suppose you have a client who has saved up $15,000 toward the down payment for her house that is priced at $185,000. If she qualifies for 3.5% APR, 30-year fixed mortgage calculate the following:

1. Her monthly payment

2. Using the following headings, prepare (hand calculate) a Loan amortization schedule for the first six months:

   Period

   Beginning Loan Bal

   monthly payment

   Applied toward Int.

   Applied toward Principle

   Ending loan Bal.