The Williams are buying a house that costs $323,000 and can afford a 10% down payment. If the Williams want the lowest monthly payment, which loan option would you recommend? a. 15 year fixed, 5% down at a fixed rate of 5. 5% b. 30 year FHA, 3. 5% down at a fixed rate of 6. 25% c. 30 year fixed, 20% down at a fixed rate of 5. 75% d. 30 year fixed, 10% down at a fixed rate of 6%.