How much of her first payment goes to pay down the


Sally bought her first house. The price was $200,000. She paid a down payment of 10% - $20,000. 

The remainder of the purchase price was paid with a bank loan of $180,000. The terms of the loan were 5% annual interest, fixed for 30 years. The monthly principal and interest payment on this loan is $966.66. (Monthly insurance and tax payments are not included in this payment).

She has a few questions:

1) How much of her first payment goes to pay down the debt?

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