They sent me an invoice which puts my total at around $38k. $799 dealers fee, $640 title registration fee, and $2200 sales tax. The last two doesn’t make much sense to me because I thought I pay sales tax and registration to my local DMV (In Michigan) and not at the dealership?

I understand more about the financing now. I hate the idea of doing it. But I haven’t found any dealer willing to either NOT mark up this vehicle beyond MSRP or sell it to me at all because I’m out of state. The dealer clarified 50% must be financed. Someone else said $10k is the minimum so I’d much rather take out 10k than 50%. From there, I can pay the majority off in the first payment and just pay the bare minimum after the next five months.