Loaner Car with 2181 miles on it

MSRP: $61650

Sales Price: $50117 (after $2250 lease credit and $2000 loyalty)

Customer Cash: $3450

Tax: $1989

Bank Fee: $925

Doc Fee: $75

Money Factor: .00145

Residual: 60%

Residual Value: 36,653.60

Miles: 10k for 36 months

Monthly Payment: $399

Total due at signing: $6860.21 which includes the first month payment; upfront charges of $3011.21 and Total cap Reduction of $7700 ($3450 from me and $4250 from rebates/incentives)

I ran the #'s on the calculator and it says that the monthly payment should be $304. So as you can see, there’s a $99 difference between the calculator and the dealer, so I’m trying to see if my inputs are wrong or if there’s room for negotiation with the dealer.

I’m in NY so taxes are due upfront.

Thanks so much!