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Default Display a cell as 0 if cell it is copying has no value

I'm making one cell equal another cell is is part of a formula (an
amortization schedule to be exact). I'm wanting my first cell to equal
the cell on the amortization schedule that shows the payment. If I
don't have any figures plugged into the amortization schedule, the
payment shows " #DIV/0! ". Is there a way of making it just display a
0 instead of #DIV/0! ?

I have 3 schedules and I'm trying to add all of the payments to one
figure. If I'm only using one amortization, the other 2 show #DIV/0!
and through my addition off.

Thanks for the help!
 
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