Home Staging Infographic for First-Time Buyer Down Payments

Real estate infographic titled "Down Payment Options for First-Time Buyers". Archetype: FIRST-TIME-BUYER CHECKLIST. Editorial real-estate magazine illustration in a minimal corporate style with a warm terracotta & sage palette, clean layout, soft neutral background, modern sans-serif typography, subtle grid, friendly professional design, no real bank / brokerage / lender logos, no watermarks. Create 6 numbered checklist stages for a first-time buyer, each with a short heading IN English, a time estimate, an illustrative cost example in USD clearly labeled as example, and a small property or document icon. Suggested stages: 1) Set Your Budget — time estimate: 1–3 days — cost example: "$12,000 example saved" — icon: wallet + document. 2) Compare Down Payment Paths — time estimate: 1–2 days — cost example: "3% example on $300,000 = $9,000 example" — icon: branching checklist + house. 3) Standard Conventional Option — time estimate: 1 day review — cost example: "20% example on $300,000 = $60,000 example" — icon: house + percentage badge. 4) Low Down Payment Programs — time estimate: 2–5 days research — cost example: "3.5% example on $300,000 = $10,500 example" — icon: form + key. 5) Assistance and Gifts — time estimate: 3–7 days verification — cost example: "$5,000 example assistance + $2,000 example gift" — icon: gift box + approval document. 6) Reserve Closing Funds — time estimate: 1–2 days — cost example: "$6,000 example closing costs" — icon: clipboard + calculator. Add supportive visual elements such as checkmarks, simple comparison callouts, percentage badges, and a small footer note area indicating that figures are illustrative examples only. Emphasize down payment options visually for first-time buyers, but do not render the target search intent 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.