When do I pay the down payment?
You pay it at closing, not when you make an offer. The only money down up front is your earnest-money deposit, which counts toward what you owe at closing.
Your full down payment is due at closing — the day you sign and get the keys — not when you make an offer. People often mix this up.
The only money you put down early is the earnest-money deposit, made shortly after your offer is accepted, and that deposit is credited toward your down payment and closing costs at the end. Before closing, you'll get a final statement showing the exact 'cash to close,' which you'll typically send by wire or cashier's check. I'll make sure you know that number well in advance.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.