This infographic illustrates the concept of Private Mortgage Insurance (PMI) and how it affects homebuyers differently based on their down payment size. On the left side, a couple with a 20% down payment enjoys no PMI and lower monthly payments, represented by a green checkmark and increasing cost graph. On the right side, a couple with less than 20% down payment faces additional PMI costs and higher monthly payments, shown with a red cross, magnifying glass highlighting PMI cost, and coins symbolizing extra expense. The central handshake symbolizes mortgage agreement, with accompanying icons emphasizing financial impacts of PMI fees.