First time withdraw is direct to your bank. Rightfully is for you to style the lawyer fees, and loans. Not for renovation. And they have formula to calculate max you can withdraw from account 2.

"Amaun perbezaan di antara harga rumah dengan jumlah pinjaman perumahan dan tambahan 10% daripada harga rumah ATAU Semua simpanan dalam Akaun 2 masing-masing tertakluk kepada amaun maksimum yang layak dikeluarkan"

Say if your Account 2 have RM 100k,

You buy a 200k house, and you pay 20% down payment, and take 80% loan.

You can only take (what you pay for down payment) + 10% of your house. That is RM 40k + 20k. So you can take max of 60k. EPF will bank into your bank account for first time.

Down payment and cash down payment is still down payment right?

Yes, the amount is what you plan to pay in cash + 10% of your house value. Of course if your acct don't have that much, you take all in acc2

I am not site if your loan amount is in AmP, if not you need to bring your loan agreement too.

I learn hard way, thought can take out all my acc2 money when I buy my house, than only realized they got condition. If not I will renovate with more budget:-(

First time they will bank into your bank account, subsequent will be direct to your loan, and in your loan have the cheque account and flexi payment, don't expect you can take the money out, is bring locked now. Earlier when bank launch this flexi loan borrower use this loophole.