solutions without the use of excel please

U . 2. You purchase a home in Toronto for $650,000 and are able to come up with a down payment of 50% of the purchase price, with the rest being financed through a mortgage. You were able to negotiate a rate of 4% compounded semi-annually and you've financed this mortgage over 25 years, making monthly payments starting at the end of the first month. Based on the above information how much nominal interest are you paying over the life of the mortgage (25 years)? A) $127,655 B) $187,871 C) $198,250 D) $287,996 E) $326,784