How do I download entire human genome for local blast formatting and searching?
You can either download and concatenate the individual chromosomes from NCBI or make your life easier and download a single fasta file from Gencode (note that that's the primary assembly, if you want the one with haplotypes then it's here).

Having written all of that, the "human_genomic" files on the NCBI FTP server are the prebuilt blast databases for humans.