When you are in the checkout page there will be your personal info and below that TWO tabs:
-
PayPal + $2 handling fee
-
Envato Credit
Most likely it is defaulting on option 2 which is why you are being made to add credit.
Click on the PayPal logo on the left hand side and it will change to the direct payment + $2 handling then assuming your file costs $52.80 you can buy it for $54.80 (tax dependent) rather than needing to deposit $60.