Key points
- The advertised price is usually not the final purchase price.
- Out-the-door price should include taxes and transaction charges.
- Down payment and trade-in should not hide the underlying purchase price.
- Request the number in writing before discussing financing.
What is normally included?
- Agreed vehicle selling price.
- Sales tax based on applicable state and local rules.
- Title, registration, and tag charges.
- Dealer documentation or processing fees.
- Selected accessories, warranties, GAP, or protection products.
What is not the same as out-the-door price?
The amount financed is the balance placed into the loan after adjustments such as down payment, trade-in credit, payoff, rebates, or cash due at signing. The total of payments adds financing costs over time. Neither number should be confused with the purchase price itself.
Why it helps when comparing dealers
One dealer may advertise a lower vehicle price and add more fees later. Another may show a higher selling price but a lower final total. Written out-the-door quotes make those offers easier to compare on the same basis.
Ask: Please send the full out-the-door price with every tax, fee, and product listed separately.
Check the math before signing
- Start with the selling price.
- Add taxes, government fees, dealer fees, and selected products.
- Subtract legitimate rebates or discounts.
- Confirm that the result matches the written total.