Down payment — an initial lump-sum payment made when buying something (often applied toward a loan or purchase).
新車を買うとき、頭金として十万円を払った。
When I bought a new car, I paid 100,000 yen as a down payment.
家の購入では頭金の額がローンの条件に影響する。
In buying a house, the amount of the down payment affects the terms of the loan.
頭金を多く用意すれば、毎月の返済が楽になる。
If you prepare a larger down payment, the monthly repayments become easier.