Do you have a breakdown of the additional $3851.17 added to the sale price to calculate the financed amount? I am guessing it includes, high dealer doc fees (since you tagged FL), registration fees. What is your tax rate?
Is financing through the dealer or do you have your own financing? Can you get 1.9% APR from a credit union? That could save you a few hundred bucks.
EDIT: Looking at your original post, you did list some of these fees. Nearly $1k for dealer fees, ouch. It also looks like that negative equity was added to the finance amount at a rate of 3.4%.