First Time Buyer Fees Checklist FHA vs Conventional

Real estate infographic titled "FHA vs Conventional Loan". Archetype: MORTGAGE FLOWCHART for a first-time buyer audience. Editorial real-estate magazine illustration, warm hand-illustrated style, minimal monochrome palette, clean layout, approachable and informative. Create a vertical mortgage decision flowchart with 6 numbered stages, each stage featuring a short heading in English, a time estimate, an illustrative cost example in GBP labeled as example, and a small property or document icon. Compare FHA-style low-deposit government-backed path versus conventional loan path visually with branching arrows, simple boxes, and subtle comparison callouts. Include beginner-friendly structure and fee-awareness cues rendered visually. Stages: 1) Check Budget — time estimate: 1-3 days — cost example: £0 example — icon: calculator and house document. 2) Review Credit Profile — time estimate: 1-2 days — cost example: £15 example — icon: credit file document. 3) Choose Deposit Path — time estimate: 2-5 days — cost example: £8,000 example vs £15,000 example — icon: coins and small home. 4) Compare Mortgage Rules — time estimate: 2-4 days — cost example: £950 example upfront fees — icon: contract and checklist. 5) Estimate Monthly Costs — time estimate: 1-2 days — cost example: £1,150 example per month — icon: calendar and pound symbol. 6) Prepare Application Documents — time estimate: 3-7 days — cost example: £300 example — icon: ID document and folder. Add small side comparison panels for deposit, credit flexibility, mortgage insurance, fees, and long-term cost differences using generic labels only. Use generic mortgage terminology suitable for first-time buyers, no legal claims, no city-specific guarantees, no specific listing prices. No real bank, brokerage, or lender logos. No watermarks. Illustrative numbers must be labeled as example. 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.