my rate for #1 is 3.125. For question #2 I want to ask if I use the amortization formula and do I include the 20% downpayment?

Use the information given below, to compare the cost of operating two different vehicles for one month (4 weeks) you are considering two different cars. you drive to work, a 20 mile round trip, five days a week. gasoline costs you $1.50 per gallon car agets 28 miles per gallon, would have $300 a year in maintenance costs, and would cost you $1,500 per year to insure car b gets 19 miles per gallon, would have $500 a year in maintenance costs, and would cost you $1,000 per year to insure costs car a car b gas cost per month insurance cost per month maintenance cost per month $ total cost per month