2019 Ram Big Horn Crewcab 4x4 Lease Offer - Good Deal?


Looking for thoughts on this deal BEFORE pulling the trigger haha I intend to push for a bit more off or maybe a tonneau cover, but any input at where I stand now would be greatly appreciated!

2019 Ram Big Horn Crew Cab 4x4

MSRP: 51,595


Located in NJ

Incentives bring the selling price down to 42,651

$439 per month with only 1st payment due at signing

From Edmunds:

MF: .00006

Residual value: 26,589 (52%)

whats the sales price

This is what I was just offered
This is with US Bank. Strong credit needed, no previous bankruptcy or problems in the past allowed.

MSRP $51735.  Dealer invoice $48703.

My selling price $46395 - $7500 in rebates.

24 month lease with 10k miles allowed per year.  All sales tax, fees and plates rolled in.

US Bank has a $695 Acquisition fee rolled in, Dealership Doc fee $495 rolled in.

$645 due at signing for first month and 23 remaining payments all in.

If it matters this has a 56% residual and a money factor of .002 

I said that looks like a bad discount before rebates and he said it was a lot. Obviously I think he’s full of it but I really don’t know what I’m doing.

you can do better on the discount, you are in laramie territory at $450/month