Don't forget to include the acquisition & other up front fees in the "other costs" line. I used this calculator & was shocked at how far off my numbers were when I started talking to finance because I had omitted them.

Also, the current buy rate on Xdrive 30 is .00225 or .00245 for 35d. I found that most finance guys will mark that up by at least .0002 and can mark it up by .0004. Where are you getting .00156?

My deal is very close to yours and my payments with the 2500 Holiday Cash and 1000 deposit towards drive-off fees would be in the $700's.