Download the bitmap to its original resolution. Then use 2 phases:
1) If the user displays (draws) on the screen, draw a bitmap on the Canvas screen using the scale matrix to fit the screen. And draw a finger paint on top of it.
2) When saving, create a new canvas, set its target as your bitmap and draw over it the finger paint. Use the matrix again, but invert, because now you originally scaled the Bitmap and want to draw on top of it something that was previously drawn on a scaled bitmap. Now your bitmap has additional graphics, and you can save it in a file.