So it is your view 'we' make the pledge or down payment? Thus responsible for the payments? Or is the down payment or pledge made by God as Paul clearly states:
Ephesians 1: NASB
In Him
11also
we have obtained an inheritance,
having been predestined according to His purpose who works all things after the counsel of His will,
12to the end that we who were the first to hope in Christ would be to the praise of His glory.
13In Him, you also, after listening to the message of truth, the gospel of your salvation—having also believed,
you were sealed in Him with the Holy Spirit of promise,
14who is given as a pledge of our inheritance, with a view to the redemption of
God’s own possession, to the praise of His glory.
So again who is the pledge made to? God or us? Is it not the inheritance ours and God's own possession? Does not the end of verse 10 and verse 11 say 'we have obtained an inheritance? And then that stickler of a word Predestination shows up again according to His purpose.
How much more of this are you going to manipulate? You just tried to make God's own down payment, His Pledge to us and make it our pledge. There is absolutely nothing in that text which says we are responsible for any payments.
That seems to be your conditional hypothetical which none of the Scriptures support.