If your salesperson and/or finance manager can't / won't explain it to you in terms you can understand, then you need to find another salesperson. If you're in Norcal, come see me. I'll make it easy and explain everything. Bring in your current offer so I can match or better what they offered you. If you're in So Cal, look in the thread on leasing and find out where people have gone and gotten good deals. User ejhyun on here is a finance manager at a socal dealer, I'm sure he can help you and make sure you get a good deal.