Your calculator doesn’t seem accurate.
Are you in SoCal?
Do you have loyalty? If so you are only getting ~4.5% off MSRP, you should be shooting for 11.
I am in Maine and no I dont have loyalty
You are getting around a 10.4% discount…you can push for another point, but this is as good as its gonna get without loyalty. I would 100% not put anything down because you are essentially paying 0% APR .
Thank you guy