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I had INCORRECTLY assumed my FFL would hold the gun acting as a middle man until I paid the cash.
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In fact, your FFL cannot keep "your" firearm, for any length of time. If he does, he has to enter it in his "book" once it's in his book, the rules change. Again, I don't know how good your relationship is with your FFL but he should only charge you for the transfer fee, if that. For instance, I work with two FFLs; one charges me $10.00 and the other rarely charges me. I had a third dealer but he always wanted to charge me tax on top of $25.00 transfer. ....
Good luck and;
Be Safe !!!