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Car Buying Advice - 2017 xle awd

Help my numbers don't add up
37,800 sale price, 26,346 residual,
Mf .00120 , 40,327 cap cost(incl tax)
1390 out of pocket
This is in NJ
0
Answers
If you can, please provide all of the information you have available, and what you're confused with and I'll clarify anything that you need help with. Thanks!
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