$41,082 MSRP
$38,532 selling price
$32,032 adjusted cap cost after incentives ($6,500) but before money down ($615)
$22,595 residual
Total due at signing $1,848 (down payment, acquisition, first month, registration, upfront taxes, doc fees).
I negotiated terms based on no money down but at signing dealer reduced fees and moved the same amount into money down.