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I did the math manually using a $2 calculator, and I also come up with $418 per month. I think the discrepancy here is the dealer place all 36 month's worth of taxes and roll them into the "net cap cost" calculations. what's wierd is that i'm not paying taxes on the down payment upfront. this tax portion was also roll into the "net cap cost". So in the end, if I see it their way, it's a difference of $12/month or difference of $432.
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