Sorry for the extended time it required for me to confirm that the instructions you provided did indeed, resolve the issue, I'd presented.
A few small comments are: A) for the interest rate, I found it easier to enter to enter 3%% rather than the 0.03 suggested, and it yielded the same result, B), the example presented used resulted in a negative result. That was easily corrected by entering the "pmt" as a negative amount rather than the positive amount used in the example, C) the example displayed only 4 entries when the FV functions displayed 5 entries. I learned later that, it was not necessary to make the fifth entry.
In an overall sense,the above comments are small. You did find a solution to my issue and did so in a time frame, reasonable for my Medium Urgency request.