This is your downpayment, this is the first money.

这是你的首付， 这是第一笔钱。

If you need that money for a downpayment in two years, it better be in a deposit insured account hoping that it has a decent return or it's a two-year bond that is getting a decent return.

如果你需要这笔钱来支付两年后的首付，最好是存入一个存款保险账户， 希望它有可观的回报， 或者它是一份获得可观回报的两年期债券。