It looks like with a monthly payment of $919 that they are marking up the MF to around .00201 from .00182.
I come up with the following for your NJ lease:
- MSRP: $66,825
- Sales Price: $62,912
- Cap Reduction: $2,000
- Residual: $34,749 (52%)
- Money Factor: .00201
- Monthly Payment: $919
- First Month: $919
- Documentation Fee: $360 (estimated)
- Acquisition Fee: $925
- Registration: $240 (used online calculator)
- Luxury Tax: $251 (0.4% of sales price)
- Sales Tax: $2,481 (applicable to lease depreciation, 7% rate used)
- Due at Signing: $5,241