Which month is the answer?

Micah and his cousins plan to all chip in to get their grandmother a $610 Christmas present. They can afford to put it on layaway with a 5% down payment and pay $90 a month after that. If payments are due at the beginning of each month, when should Micah and his cousins make their first monthly payment? A. May 1 O B. July 1 O C. June 1 O D. August 1