Then your numbers in the title are a bit misleading. Your actual DAS should read $4,576. $2680 cash, which you paid out of pocket, and $1896 in form of equity. Your equity, those funds belonged to you. You could have taken it as a check instead of rolling into the deal, and deposited into your bank account, no? How’s that different from cash portion?
I don’t think that’s correct either. I was also under impression that since only max of 9 deposits are actually reducing MF, you could just pay 9, but it appears AFS does this +1 deposit thing, so to get credit for 9 deposits, you still need to put 10. Credit to @DonnyAudi for providing the info.
So if you put 9 MSDs, only 8 are counted towards actually reducing MF. If you build the calculator, you can see it clearly. That was my mistake too in december, when I got my Q5 Sportback