Sounds really high off the bat… Quentin aka @nyclife has a $52k 2020 XC90 T5 momentum for $361/month with MSD’s (💯 September, NYCLIFE, BEST Volvo Deals. S60 T6 279+tax, '20 XC90, 361+ tax [NY/NJ/PA/CT])
I assume the extra ~$2k is the advanced package, but even with that, I don’t think your monthly should be that high.