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Careful now. If you put the MFA prompt after the password, it works as confirmation that you have the correct password even if you’re not able to log in. You don’t want to give that confirmation to the attacker. That’s why MFA happens before the password is validated.
That’s how it works on > 90% of the websites on the internet. And that’s usually not a problem, because one usually does not suddenly know the password of other people.
Just set a timer after entering the password in every single case (only stopped early by successful MFA). “authentication did not succeed, one or more factors may be incorrect or may have failed verification”
Just require the TOTP at the start of the form. It’s that simple.