First Time Homebuyer Tips: Closing Costs Breakdown Guide

Real estate infographic titled "Closing Costs Breakdown for First-Time Buyer Investors". Archetype: FIRST-TIME-BUYER CHECKLIST. Editorial real-estate magazine illustration, minimal corporate style, warm terracotta & sage palette, clean grid layout, refined typography, soft neutral background, subtle financial-document textures, investor / landlord audience, professional and approachable. Create 7 numbered checklist stages, each with a short heading IN English, a time estimate, an illustrative cost example in USD labeled as example, and a small property or document icon. Focus visually on closing costs breakdown while keeping the structure of a first-time-buyer checklist. Include simple charts, callout boxes, receipt/document motifs, key/house icons, and landlord-investor cues such as rental income notes and maintenance reserve symbols, but no specific listing prices or city-specific guarantees. Stages: 1) Budget and Cash Reserve — time estimate: 1-3 days — example cost: $0-$500 example — icon: wallet + document. 2) Loan Pre-Approval Review — time estimate: 1-7 days — example cost: $15-$50 example for credit report — icon: approval letter. 3) Estimate Closing Costs — time estimate: 1 day — example cost: 2%-5% of purchase price example — icon: calculator + settlement sheet. 4) Appraisal and Inspection — time estimate: 7-10 days — example cost: $300-$800 example — icon: house + checklist. 5) Title, Escrow, and Insurance — time estimate: 3-10 days — example cost: $800-$2,500 example — icon: shield + contract. 6) Lender and Recording Fees — time estimate: 1-3 days — example cost: $500-$1,500 example — icon: stamp + file folder. 7) Final Walkthrough and Closing Day — time estimate: 1 day — example cost: prepaid taxes and insurance $1,000-$4,000 example — icon: key + signed document. Add a central visual breakdown panel for common closing cost categories such as lender fees, title fees, escrow fees, appraisal, inspection, prepaid taxes, prepaid insurance, recording fees, and reserves, shown as a clean checklist-style summary with small percentage or dollar example tags in USD. Keep all figures clearly marked as illustrative example only. No real bank, brokerage, or lender logos, no watermarks. All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.