225 MSD or 300 down?

Getting a highlander SE if I put down 300 it will lower my total for 9 MSDs by 225, it almost seems like id be better off putting the 300 down then have 225 tied up? Not worried so much about totalling the car and gap etc. Thanks!!

Personally, I think it makes sense to put the $300 down but that is me. It’s not that much money at all and it helps lower the MSD and will cut your monthly by a tad bit.