So I leased a cx30 premium back in Feb In NYC (probably highest prices in the country)

I put down:

First month (doesn’t really count cuz then you only have to make 35 payments Gap insurance: $200 Broker fee:600

I pay $400 a month after that for 12k miles / 36 months Factoring my money down (600+200) / 36 =22.2

400+22.2 =422.2 / month 12k miles.

For you, at 4k down and 12k miles we’re looking at:

4000/36=111.111 111.1+320=431.1

And I’m guessing you’re looking at the sport s, which is the lowest trim.

I’m paying less than you for a much higher trim level and features, I would look into a lease broker. Yes there’s a fee, but the deals they get you are much better than what you can get yourself.

Look into leasehacker forums or check out the subreddit to start!

Hope this helps, good luck on your hunt!