Buyer's Worksheet. Car Payment Reality Check

The dealforward

Vehicle

MSRP on the sticker The window sticker total. Used to score the deal.

They gave me an out the door number instead Check this and enter their total. It backs out the car price for you.

Agreed vehicle price Before any fees or tax. The number you negotiated.

Fees and tax

Dealer fees and add ons Doc fee, pre installed extras, paint sealant, nitrogen.

Tag, title, registration Paid to the state. Not taxed.

Sales tax rate Florida state rate is 6.

County surtax Applies to the first $5,000 only. Seminole is 1.

Trade and money down

Trade in allowance Lowers the taxable amount in Florida.

Loan payoff on trade Anything above the allowance gets rolled in.

Cash down

Rebates and incentives Tax is usually charged before these come off.

What they quoted you

Their monthly payment Optional. Leave at 0 to skip the comparison.

The paymentdrag to test

Look closercheck the flags

Payment you want

$400

$100$800$1,500

Interest rate

6.90%

0%12%24%

Term

60 mo

125496

Monthly payment

Out the door

Amount financed

Interest you pay

Deal scorevs sticker

0 / 100

Enter an MSRP to score this

What moves the score	Yours	Points

Line by lineevery dollar

What the term costs youat 6.90%

Term	Payment	Interest	Total paid

Flagsread before signing

Estimates only. Tax rules, lender fees, and gap or warranty products bought in the finance office will move these numbers. Ask for the buyer's order in writing and check it against this sheet before you sign anything.