There are mortgage options now available that only require a down payment of 5% or less of the purchase price. But the larger the down payment, the less you have to borrow, and the more equity you'll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses, and possibly repairs and decorating.
Moles don’t usually eat plant matter, focusing instead on insects. However, rodents such as mice and voles use their tunnels like a subway, and they do eat roots and bulbs. As you plant, mix products made from crushed oyster shells into the soil surrounding the bulb. This makes for tough digging for the rodents, and they might be induced to look elsewhere for a meal. Some gardeners resort to planting bulbs in little cages made of hardware cloth (wire mesh) to keep critters from munching on the bulbs.