Use the following formula

Pmt = L [ r ( 1 + r )

^{n}] / [ (( 1 + r )

^{n}) - 1]

L = loan amount ($180,000)

r = monthly interest rate (APR/12)

n = the number of months financed (180)

I'm assuming that the APR is fixed for 180 months, the figures below do not take PMI, and taxes

into consideration.

Pmt = $1,617.89 for 179 months, and $1,618.06 for the last payment

Your total payments will be $291,220.37, and this includes $111,220.37 in finance charges.