The best replacement for save for down payment is pay down debt.

Лучшие альтернативы к save for down payment можно упорядочить следующим образом:
★★★★★  pay down debt
★★★★  pay down mortgage
★★★  pay off debt
★★★  invest
★★  pay off student loans
★★  pay off credit cards
★  pay off car

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save for down payment
pay down debt
pay down mortgage