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If you buy from out of state, you generally have to go through a dealer in your state. (There are exceptions if the gun is a C&R.) If you find a seller in your state, and state law allows, you can bypass the dealer. Of course, you still need to do the paperwork (Form 4) and pay the tax.
I see no reason for any dealer to demand full payment, especially without even determining if what you want is available.
Jim
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