Errata ....

On Jan 9, 1:23*pm, joeu2004 wrote:
E6: *=$B$1
[....]
D7: *=E6*(B7-B6)*$B$2/365

I forgot to mention:

D6: 12/15/2008

D6 is the loan origination date. The OP did not mention it. I assume
it is one month before the first payment date.