According to your numbers, 23k for car, 16k borrowed and 7k cash, that's 46K for the 1LE? that's way too much, is it a 2SS with all the bells and whistles? I would not give up, I'd find another dealership and get them down to 41-42K, minus a few extras maybe. I think your better off waiting for the end of the year to get a better deal.
2015 CRT 1SS/1LE RS/Recaro's/NPP/Nav/Rear vision pkg./BA speaker upgrade.