2020 Volvo XC90 T6 Momentum - good deal or can do better?

Wondering if this is a good deal on a 2020 Volvo XC90, T6 Momentum, 6 seater in southern california

MSRP = $59,540
Sale Price = $51,000
Title added to Cap = $1,080
MF = .00163
Residual = 62%

36m 10k
$1272.87 drive off
$620/month ($566 + tax)
I have a $1K incentive with USAA insurance to put toward down/driveoff and is apparently included.