Carl and sue are planning to buy a new home. they will both retire in 16 years and do not want to have a house payment at that time. which loan offer should they choose?

Offer 1                                           Offer 2                                      
Rate:7%                                         Rate:6%                                                      
Time(years): 30                            Time (years): 25
Loan Amount: $200,000             Loan Amount: $200,000  
Monthly Payment: $1,330.60       Monthly Payment: $1,288.60
Total Financed:$479,017.80         Total Financed: $386,580.84
  
Offer 3
Rate:5%
Time (years): 15
Loan Amount: $200,000
Monthly Payment: $1581.59
Total Financed: $284,685.71

Whew, this was time-consuming!     ʕ•ᴥ•ʔ

Ya i could just need to know what type of math