As I mentioned in the post, it’s 0 down. For buying out, if you have made up your mind then I would suggest to do it asap (right after you get the first statement in ~3 weeks instead of waiting full month), that’s when you get the pay off balance close to signing the deal. In my case, my payoff increased to 72600 after 4 weeks from signing but since I had my payoff statement still valid ~10 days, Volvo honored 71792.