Down Payment Options Flowchart | Best Mortgage Rates for First Time Buyers with 20 Deposit

Real estate infographic titled "Down Payment Options Explained". Archetype: MORTGAGE FLOWCHART. Editorial real-estate magazine illustration, warm hand-illustrated style, warm terracotta & sage palette, clean layout, friendly professional tone for a seller audience, portrait orientation. Show 6 numbered stages in a clear flowchart with connecting arrows. Each stage must include: a short heading IN English, a time estimate, an illustrative cost example in USD labeled as example, and a small property or document icon. Suggested stages: 1) Buyer Savings Review — time estimate: 1–2 weeks — example: $8,000 saved — icon: wallet or document. 2) Low Down Payment Option — time estimate: 2–4 weeks — example: 3% down on $300,000 home = $9,000 example — icon: small house. 3) Moderate Down Payment Option — time estimate: 2–4 weeks — example: 10% down on $300,000 home = $30,000 example — icon: stacked coins. 4) Traditional 20% Option — time estimate: 3–6 weeks — example: 20% down on $300,000 home = $60,000 example — icon: house deed. 5) Gift or Assistance Funds — time estimate: 1–3 weeks — example: $12,000 family gift example — icon: signed letter or ribboned document. 6) Offer Strength and Closing Readiness — time estimate: 1–2 weeks — example: earnest money $5,000 example + closing funds $9,000 example — icon: key and contract. Add side callouts with simple visual comparisons of smaller versus larger down payment effects, such as monthly payment, loan balance, private mortgage insurance, and seller confidence, using English labels only. Include a small footer note that all figures are illustrative examples in USD and not guarantees. No specific listing prices, no city-specific guarantees, no real bank, brokerage, or lender logos, no watermarks. Visually imply search intent around first-time buyers and competitive mortgage rates without using that phrase as on-image text. 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.