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Due-at-signing itemizer

See what you pay today, what reduces the lease balance and what might come back.

Use dollars, not cents, for money fields. Numeric fields need an entry; use 0 if none.

Cash paid at signing, in dollars

Cash down: capitalized cost reduction

First payment paid at signing

Acquisition fee paid upfront

Dealer documentation fee paid upfront

Title, registration and license fees paid upfront

Taxes paid upfront

Other cash fees paid upfront

Do not include fees already rolled into your monthly payment.

Refundable security deposits / MSDs

Noncash credits, in dollars

Positive trade equity applied to cap reduction

Rebates applied to cap reduction

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Fictional example estimate

Estimated cash due at signing

$3,945.00

Cash cap reduction: $1,500.00
First payment: $400.00
Upfront fees: $1,145.00
Upfront tax: $100.00
Refundable deposits / MSDs: $800.00
Noncash trade equity + rebates: $0.00
Total cap reduction, cash + noncash: $1,500.00

You entered a cash down payment; this is not a $0 cash-down example.

Cash cap reduction is not a refundable deposit. It may be lost if the car is stolen or totaled. GAP coverage generally addresses a payoff shortfall, not a refund of your down payment. Check your contract and insurance.

Trade equity and rebates are credits, not extra cash to bring. Refundable deposits are included in cash needed today but excluded from consumed cost if fully returned. Only upfront fees belong here.

Dealer email and printable checklist

Copy into your email app. Check off each line when the dealer answers.

You can also select the text to copy it, or use your browser’s Print command.

One useful question

Is a down payment the same as a security deposit?

No. A cap reduction is consumed. A security deposit may come back, less contract deductions. Keep them on separate lines. Read the related guide · More leasing questions

Background: Federal Reserve vehicle leasing questions and CFPB leasing overview. Confirm current terms with your lessor.

Check these entries

Fictional example estimate

Estimated cash due at signing

Dealer email and printable checklist

One useful question