What will your Ford payment actually be? Down to the dollar.
Real Contra Costa tax. Real CA DMV. Real doc fee, capped where the law says it has to be. The same math the finance manager runs — done by you, before you walk in.
- No form to see the number
- Built for ZIP 94513 + corridor
- 60-second estimate
Your numbers
Edit any field — totals update live.Pre-tax vehicle price. We add tax, DMV, and the doc fee below.
Sets the default APR. Slide the rate below for an exact number.
Longer term lowers the monthly — but adds more total interest.
Your actual rate depends on your lender's offer.
Why this number is real
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01
Real Contra Costa tax (8.75%).
Most dealer-site calculators "estimate at 6%" or skip tax entirely. Your tax line on closing day is 8.75%. We use that.
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02
Real California DMV fees.
Registration, title, plates, and smog transfer fee. Itemized above — not buried in a generic "fees" line.
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03
Doc fee at the legal cap.
California law caps the dealer documentation fee at $85. Some dealers run $499–$799. Not here.
Common questions before you text me
Lock this payment with Mike.
I'll send the same numbers back in writing on a specific vehicle — before you drive anywhere.
Your number goes to my phone — full stop. No spam.
FAQ
How accurate is this number?
Within $20–$50 of the dealer's actual desk number, every time. The only variables are your final negotiated price and the APR your lender approves.
What if my credit is different from what I picked?
Slide the APR field manually. The monthly recalculates live.
Does this include extended warranty or add-ons?
No — by design. Add-ons are sold at the F&I desk. I'll tell you which ones are worth it before you sit down.
Will Mike try to upsell me when I text?
No. I'd rather you come back in three years than walk in resentful tomorrow.
Why is my APR higher than the "as low as" ads?
Those ads quote the rate for top-tier credit only. Your actual rate depends on score, term, and lender.