Is there a formula that I could simply plug the numbers into that would give me the amount of the payment for $137,500 with a 5.25% interest rate for 30 years?

Ok so I have to do an amortization table by hand now I know how to use the TVM solver on my calculator...but what do you do after that? So you have to future value the interest and everything but then how do you use it to fill the table? Im sorry if this question seems juvenille but I would really appreciate some help. Thank you :)

The mortgage company said they would give me a 7% interest rate, not bad considering my credit is shot. So I punch that into a amortization calculator and get a payment on a $75,000 house at $498.98. Yet, the broker said my payment would be about $705. What else are they figuring in to the payment? What formula or numbers are the lenders using to give me the rough number? How can I figure the taxes, insurance, etc cost myself so I can get a better number on paper to build my budget around?

I'm doing a project in my biology class and have to raise a viritual puppy litter. I tried looking up how old puppies are when they open their eyes, but I have found answers ranging from 8 - 21 days. This seemed like a pretty big range, so I decided to come here. Is it also true that a puppy's ears usually open a few days after their eyes?