OK i think i got this.

I had wrong MSRP and Neg. price, dealer has send me the correct numbers due to late adjustments i made to the order. This is my calculation.

1. Sticker Price $64,525
2. Residual Value %58
3. Equals the residual $37,424
value
4. Negotiated Price $56,275
5. Minus the residual $18,851 ($56,424 - $37,424) We're responsible for this.
6. Equals the depreciation
over 36 month $523.63 - monthly price without bank's %

7. Net capitalized coast $56,275
8. Plus the residual $37,424
9. Equals $93,699 (56,275 + 37,424)

10. Times the money .00250
factor
11. Equals money factor $234.25
payment portion
12. Monthly depreciation $234.25 + $523.63
payment + money factor
payment portion
13. Equals bottom-line moth. $757.88
lease payment

I send email to dealer asking how he got his numbers which are still wrong, he replied asking me to come in . I guess i'll have to take a drive to NJ.