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I took my SIL with me when all of this was decided. My loan was for the closing fees, taxes for the year, insurance for the year, and of course, the mortgage.
I paid the down payment because I had the money. My daughter and SIL included their down payment in their loan.
Diana is right. Go sit down with the same person until you understand it. Makre sure they figure out how much you wll be paying monthly to the bank, including whatever you want, like insurance and real estate taxes. Then decide if you can afford it, or if you want to pay it up front. Don't forget to include the condo maintenance fees and utilities when you figure out you monthly costs. You can play around with what you take in your loan and what you pay up front to make it more affordable/month.
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