Closer to this (assuming your tax rate is 9%) at 36 months. (Edited: I had doc fee wrong AND they want $3k down, originally I had $0 DAS)
The payment on your deal sheet is 24 months so you need the residual from Edmunds for 24 months for this truck in your Zip. At 36 months with $0 DAS you should be around $345 plus tax.
It’s not accurate. They can quote you Tier 1 numbers assuming you are Tier 1, AND if your credit app comes back lower THEN the MF goes up (unless it’s so bad you aren’t approved).
(Edit) If they know their FICO v2/v8 or Auto Enhanced Equifax score, their finance manager should be able to tell you what tier and rate, but expect them to mark it up (eg if buy rate is 2% for Tier 1 and 3.5% for Tier 2, then expect then to hold 1-2 points meaning effective 4.5-5.5% on a Tier 2 lease). I’m pulling numbers out of the air, YMMV. The hesitation for them will be they can’t be sure this person will get approved and if so what tier until they run their credit app, so it’s a best guess that they don’t like to engage in.