This is the updated breakdown:
The due at signing amount of $5,400 is $1,319 in fees ($650 Acq. Fee, $499 Doc Fee, and $170 Registration), the remainder of $4,081 is down payment. I got a trade in offer for my 2017 Jeep Patriot of $3,000.
I tried negotiating a reduction of the cost of the car from $53,260 to $50,900, or increase the discounts from $14,700 to $17,000 to bring the overall cost of ownership to be somewhat similar to a deal I saw on the forum (Signed! 2024 Hyundai Ioniq 5 SEL AWD, $2,292 down, $291.43 monthly, 36/10, Massachusetts - #24 by boyzclub2409). He was like nope 