Leasing has a lot of variables so it makes sense to take some time to understand what they are. Make sure you've read everything at
www.leaseguide.com and other websites.
You live in NJ, like me, so I can help you out. The November program on your 325xi has a base MF of 0.0025 and a residual of 61%.
It looks like you've provided us all the info EXCEPT the selling price, which I can back into from your data. Based on my calculations, and assuming i) your MRSP is correct, ii) your cap cost reduction is $2500 + $625, and iii) you're getting the 0.0025 base 325xi money factor, I calculate the selling price of your car to be $39,491...ie, almost $900 ABOVE MSRP!!!
Looks like a very bad deal to me.
Here's what my "target" deal would be for your car:
- $0 down. No $2500, and roll the $625 acquisiton fee into your payments. At signing all you should pay is first month, deposit, and any gov't fees.
- A selling price at $1000 over invoice. I was too lazy to calculate it for you, so I estimate that invoice was 92.5% of MSRP and added $1000 to get $36,700.
- The base money factor.
Assuming all that, i get a payment of $560/month with zero down. THAT is a good deal.
Right now, your down payment is basically pure profit for the dealer.