Thank you All for the feedback. Decide to go to another dealer for my purchase. Per recommendations I went with an off-road model the RV was better. they quoted the below, I think it looks way better now.
Tacoma 2019 Offroad -TRD Premium Off Road Package, Technology Package, Predator Pro Step
**Selling Price: $35197
**Monthly Payment: $325 before adding negative equity, $410 All in (including 7% tax)
**Cash Due at Signing: first month payment
**MSD: 0 (did not allowed any)
** Disposition= $350
In most instances you should be at that (or lower) with nothing 1st payment and drive off fees. You’re in Texas though so your payment will inevitably be higher since you’re paying sales tax on the entire sale price. Do a search of recent deals and if you can’t get what you want on your own I would suggest you consider contacting @Jrouleau426 and driving back from Philly.