Did I not yet wake up? There is no down payment, hence no CCR.
He’s right.
That’s just a matter of book keeping. Dealer could cap all the fees and then the DAS would largely be CCR or it could be applied directly. Really the only thing that matters is that $3250 was paid at sale. Doesn’t make a difference what it was applied to.
How adding (capping) anything from DAS to cap cost is reduction? Removing tax, for example, from $422/mo and adding it to DAS thus making payments lower would be CCR.
I see what you are saying, but this is not CCR nor down payment. Others thought $2,500 was actual down payment and it wasn’t