I did it quick on
www.calculator.net and I get low 600's also for the payment guessing at 7% sales tax and no use tax based on 59%residual off you 79k list price and using 75k as your purchase and 15k trade in with .00182 mf - $775 is crazy and just not possible to get to without them charging you like 35% sales tax or an interest rate of like 10% (0.004 MF) I am guessing they are really screwing you on the MF since they won't tell you or someone just made a mistake on something.