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As far as I know, there is no down-payment; it's simply a payment plan - ie) $52/month for the Xs Max with 256GB (on Verizon) for 24 months. Of course, you'll be able to make increased payments to pay it off earlier, but it'll be $52/month until the balance is paid in full. To pay more on any given month simply means you'll have the phone paid off sooner than 24 months. If you pay $208 one month, that'll mean you'll have the phone paid off 4 months earlier, but you'll still have a $52 payment the next month. I hope that helps.
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