Colinda has just purchased her first home for $125000. she put down a 20%payment of $25000 and took 4% percent mortgage for the rest her payment is $577 how much is amortization

Since there was a down payment, the actual amount borrowed was
Amount borrowed, P=125000-25000=100000
interest, i = 4% (APR) = 0.04/12 per month   (ASSUME compounded monthly)
Monthly payment = $577

To find the amortization portion of the first payment, we need the interest accumulated at the end of the first month (first payment)
= 100000*(0.04/12) = 333.33 (nearest cent)

Therefore amortization portion = $577-333.33 = 243.67 (to the nearest cent)

(by the way, if we need to know the amortization period, we have to use the amortization formula and estimate the number of months, n to give a monthly payment of 577 for the given principal.  n can be calculated as 259.04 months, or over 21 years and 7 months).

In this problem it decreased 20%