Set up fee and Recurring Billing question

Hi. Can you please tell me how I can set up a product that has a set up fee and a recurring monthly fee?

For example, I tried to set up a 2497 set up fee, and 97/mo. but it wants to bill the first payment for
2497+97 ($2594).

I can't quite figure out how to have charge $2497 up front, then $97/mo recurring for the next payments.

Thanks,
Jim