Have them double check that and challenge them. The onepay reduces the MF by .0006. If your deal is truly $434 with $434 DAS, your onepay should be roughly $9,012, which is a significant savings and an effective payment of $375 which is absolutely killer. If you’d prefer not to put all of that up front, a full 10 MSDs will reduce your money factor by almost the same amount, at .0005. Using full MSDs should drop your monthly to ~$379 while only needing to put up $4,500 for the MSDs.
