3. You are comparing two options for a $125,000 home mortgage. The first option is a 15- year mortgage with a 4% annual rate, and the second option is a 30-year mortgage with a 4.5% interest rate. If you want your monthly payment under the first option to be the same as the monthly payment under the 30-year option, how much additional down payment will you need to put down under the 15-year option?