20% counts toward the total payment Andrew. ---- Layaway is a is just a few easy steps - just add item to your cart - Select Checkout - Select your FFL - Select Checkout option "Layaway" - Select checkout method for min of 20% down payment - Once down payment is made your layaway is complete. Within the 90 day period you can pay little by little or all at once at the end. Buds will charge $10 fee after 30 Days and another $15 after 60 Days for a total $25 layaway fee.