Ford X-Plan Money Factor

Can a Ford dealer markup the Money Factor on an X-Plan deal?

For the specific VIN, the Rate Finder is showing an MF of 0.00002083 (0.05% APR), but to get the same monthly as ford.com shows, I had to change MF to 0.00087 (2.09% APR).

Did ford dot com include taxes, dmv, dealer fees, etc?

Nope, but I’m looking at the pre-tax monthly