How much cash do you need for a 5% down payment on a $500,000 house

Factor the polynomial 4x4 – 20x2 – 3x2 + 15 by grouping. what is the resulting expression? (4x2 + 3)(x2 – 5) (4x2 – 3)(x2 – 5) (4x2 – 5)(x2 + 3) (4x2 + 5)(x2 – 3)