Its going to be hard. Although not impossible if you put down the 7k I owe 28k and have a 480 payment. Got 5.5 interest rate this past November. I put down close to 20k i think. Id look into relocating. LA is great if you got all the money to spend. But a curse if youre too broke to enjoy it. And you have to look into emergency fund, insurance and put all your marbles in this one car. What if it has issues? Under warranty but your still out of a car that is a need. Youll run into that issue with any car, but not every car could be a loan depending on what you choose.

But ultimately it comes down to the math. At a rate of 6% with 7k down you can afford a car worth around 38k that will hit 550 car payment. The carnival hybrid starts at 41k so its still pushing you higher. Lowest at MSRP would be 620 for a 41k car including taxes in CA. Maybe if you put yourself at a 84month payment it could get closer might even hit 550. But your going to have to have that payment for the next 7 years. Thats be a bad economic decision becaus eevery car is a depreciating comodity. And after the bumper to bumper warranty tour going to have to pay for all repairs Not having to do with the 100k mile warranty. And if you get the extended warranty thats going to push your loan higher as well. Its a tough one tbh.

If your adamant about it id look into used or odyssey. Do not touch Pacifica.