Cost is determined by the job and there is rarely a down payment required. I accept cash, checks, most major credit cards (through PayPal - even for clients with no PayPal account and I can accept cards in person as well), PayPal transfers, and also offer installment plans for approved clients. We do all the work ourselves, are fully insured, and if a sub-contractor is needed for some aspect of the job (i.e. plumbing/electric) this will be specified at the time of the estimate.