It just means you’re as anal about numbers as I am, haha.
That being said, I noticed in the new calculator that you put in $49,844 as the selling price, but at the top, you had $49,540. Working backwards from that, I added in the $4131 for tax, tags, etc. to the original (BTW, do you not have Costco?). But before that, adding the $3,250 back in, it looks like you’re getting 9.1% off. I would push for 10%, especially if you don’t have Costco. That will bring you down by about $750 and $25 or so monthly.
Either way, when you’re capping $4,131, you’re going to add a good $120 to your payment.
10% off before incentives is $52,776. Subtracting the $3,250 brings it to $49,526, which is just about where you were originally.
I wouldn’t worry about the LH score so much as the actual numbers, especially since you have MD taxes figured in there, which are more than most states. Does MD have a clearly delineated rule (either actual or case law) that it won’t refund your taxes paid up front if something happens to the car? Again, this is also the situation of “if you roll it in and pull-ahead, you come out with less overall.” 1/6 (assuming a 6 month pull-ahead) of $4,131 is $688.50.
If you pay that $4,000 up-front, as well as 10 MSDs, that’s $9,000 you have to come up with, but your payment is down to $496.
If you have Costco, it’s down to $468/$509 without MSDs. Rolling everything in, with Costco, it’s $627.