Mr. bell buys a home for an unspecified amount. he pays a down payment of $20,000 and finances the remainder for 15 years with level end-of-month payments of $1,692. the annual effective interest rate for the first five years is 4%, and thereafter it is 6%. mr. bell sells the house just after making his 100th mortgage payment. the selling price is $258,000. how much money will mr. bell get at closing? (remember, the loan holder is paid first, and then mr. bell receives the balance of the inflow from the resale.)