I believe Fonzy13 may be referring to this: We recently purchased
DVC time at the end of August. One of the incentive offers was set to expire on September 1st. In order to retain all three incentives while we made our decision as to whether to go forward with the DVC purchase or not, Disney took a deposit. We were mailed all the DVC paperwork which was due by a particular date with the balance of the down payment. Perhaps this is the 'final down payment'?