Just need opinion from experts on potential Taco lease

Currently own f-150 where payments are currently 620 per month around $31200 to payoff like 4.5 years to go. I’m estimating here.

I just got an offer from car max to buy the truck for 32500. Tough to find something to buy where payments would be low. My main goal is to lower my payments. The only way I see is to finance. Dealer is offering 3 years 12000 miles no down payments for $425 per month. They told me the residual would be $21000. Is this deal is good or should I just keep my current vehicle.

I’m just happy that I got an offer to pay the truck off but I may have to keep it with all the craziness now. Tough decision.

I forgot to add that the Taco is a SR base with a sticker of $29999 something…

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