Marcella's house costs $120,000. she paid a 20% down payment and then borrowed the rest at 6.5% for 20 years how much will she borrow

120 000 dollars is the cost of her house.
She paid a downpayment which is 20% of it.
120000 * .20 = 24000 dollars 
=> 120 000 - 24 000 = 96 000 dollars.
She paid it for installment for 20 years wth 6.5% interest.
=> 96000 * .065 = 6240 dollars interest per year
=> 6240 dollars * 20 years = 124 800 dollars 
=>  96 000 + 124 800 = 220 800 dollars.