Bill Brandt Ford · Brentwood, CA
Call Mike
Free Tool · Loan Estimator

What will your Ford payment actually be? Down to the dollar.

Real Contra Costa tax. Real CA DMV. Real doc fee, capped where the law says it has to be. The same math the finance manager runs — done by you, before you walk in.

  • No form to see the number
  • Built for ZIP 94513 + corridor
  • 60-second estimate

Your numbers

Edit any field — totals update live.
$

Pre-tax vehicle price. We add tax, DMV, and the doc fee below.

$
$

8.5% is the typical Good-credit rate. Your actual offer depends on your lender.

60 mo
243648607284

Longer term lowers the monthly — but adds more total interest, and lenders typically charge a slightly higher rate at 72mo+ (60mo is the sweet spot).

8.5%

Your actual rate depends on your lender's offer.

Lock it in writing

Want the exact number from Mike?

Estimate only. Mike confirms the locked number in writing before you drive anywhere.

Sent. Mike will email the locked number shortly. Real numbers, in writing. No spam.
Where your money goes

Your full breakdown.

  • Vehicle
  • Tax
  • DMV + Doc
Vehicle price
$0
Sales tax (Contra Costa 8.75%)
$0
DMV (reg + title)
$385
Documentation fee (CA cap)
$85
Out-the-door
$0
− Down + trade
−$0
Amount financed
$0
Total interest over loan
$0
Total cost of car
$0
Mike's tip Adjust your numbers to see a tip from Mike.
The honest comparison

What other calculators miss.

Most calculators leave this out
What other-site quote shows $0
What Mike actually writes $0
+$0 the desk would surprise you with

Why this number is real

  1. 01
    Real Contra Costa tax (8.75%).

    Most dealer-site calculators "estimate at 6%" or skip tax entirely. Your tax line on closing day is 8.75%. We use that.

  2. 02
    Real California DMV fees.

    Registration, title, plates, and smog transfer fee. Itemized above — not buried in a generic "fees" line.

  3. 03
    Doc fee at the legal cap.

    California law caps the dealer documentation fee at $85. Some dealers run $499–$799. Not here.

Common questions before you text me

Why is my estimate higher than the dealer site I tried last week?
Because most dealer calculators don't include tax or DMV. The number on the desk does. I show you both, in writing, before you drive over.
Is this binding?
No — it's an estimate based on what you input. To lock the OTD number on a specific vehicle in writing, text me. I'll send the same numbers back, signed.
What about extended warranty, GAP, paint protection?
This estimate has zero add-ons. F&I sells those at the desk. I'll tell you which ones matter and which ones don't.
Lock it in

Lock this payment with Mike.

I'll send the same numbers back in writing on a specific vehicle — before you drive anywhere.

Your number goes to my phone — full stop. No spam.

FAQ

How accurate is this number?

Within $20–$50 of the dealer's actual desk number, every time. The only variables are your final negotiated price and the APR your lender approves.

What if my credit is different from what I picked?

Slide the APR field manually. The monthly recalculates live.

Does this include extended warranty or add-ons?

No — by design. Add-ons are sold at the F&I desk. I'll tell you which ones are worth it before you sit down.

Will Mike try to upsell me when I text?

No. I'd rather you come back in three years than walk in resentful tomorrow.

Why is my APR higher than the "as low as" ads?

Those ads quote the rate for top-tier credit only. Your actual rate depends on score, term, and lender.

Next steps
Got a car to trade? Run the Trade-in Estimator
Not sure what you can afford? Start with the Affordability Tool