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If you want to take a top-down photo (which simply means a photo taken with the camera above the subject at no angle allowing you to capture the top surface of the frame), hold your phone straight down to make two sets of crosshairs (+) indicators appear. Adjust the phone until the yellow and white crosshairs are lying on top of each other.
The crosshairs are also available to take level photos on your iPhone. Simply go to Settings > Camera and toggle on Grid. Hold the phone still over the subject for a few seconds and you’ll see the white crosshair and the yellow crosshair. Line them up by moving the phone and you’ll have a level photo.