Volvo S90 Deal - What do you think?

Signed deal at end of January (edit)

2018 Volvo S90 T6 AWD Momentum

MSRP: [$60,850]
Selling Price: [$54,600] before incentives and rebates

Incentives: [$3,750 + $2,500 for allowance and lease cash or some combination of the two]
Rebates: [$3,000 A-Plan]

Acq Fee: [$995] rolled in

Months: [24]
Annual Mileage: [15,000]

MF: [.00105] (Buy rate is .00088)
Residual: [62%]

Cap Cost Reduction: [$1,100] (Trade-in)

MSD: [$5,000]

Total Due At Signing other than MSD: [$1,353] (1st month + DMV + Doc Fee + taxes on fees and taxes on cap cost reduction) (edit #2)

Monthly Payment (incl. tax): [$382]
Sales Tax Rate: [6.35%]

Couple of notes:

  1. Found other places offering the lower MF but decided to go with this dealer due to color combo I wanted.
  2. I think the MSD amount should be $4,500 instead of $5,000. I originally was going with 36 month lease which generated the $5,000 number.
  3. I know the trade-in is not generally encouraged but I think of it as offsetting the acq fee.