Deal Check: Volvo XC90 T8 Plus (6 Seater) What am i missing?

New here, and looking for some help. When I plugged the dealer numbers into the LH Calculator, I get a number that is wildly different than the numbers the dealer gave me.

What am I missing??

TIA!

Edit: included screenshot of dealer #s; I live in Portland, OR. (no Sales Tax)

I didn’t go through line-by-line, but for one thing you put the 7,500 into post-sale incentives, while this deal sheet shows it included in the price. That alone will make a dramatic difference.

Separately:

  • $1,000 discount on this car is absurdly low
  • Have you gotten other offers for your trade?
  • Even if (big if) your car is properly valued, these payment numbers assume chewing up all of your equity of ~$8,000, which masks an additional ~$350 a month in effective lease cost. This is ~$1,000 a month effective.
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You may want to consider handling the trade and the new lease as two separate transactions, as the Volvo will require a minimum amount DAS (unless you decide to add MSDs).

Spend some more time on this site and you’ll have a good idea what your target offer should be on a T8 Recharge rn.

Also there are threads here discussing how to value your trade and know you got a fair deal.

It is dead on. You may not have tax, but they are taxing something, so I put that in with gov fees.

They are over-allowing on the trade and reducing the discount.