Offer $40,428 + profit. Profit is a function of your willingness to pay and the market (by zip code and the car the dealer's willingness to accept).
The profit should be less than the holdback since they will get 100% of the holdback regardless on an ordered car. Your car's holdback is $1327.35.
I think I paid $800 in profit. Some people believe in $100 profit for every $10k. My procurement prof at college did. So maybe I paid a bit over that formula but I live in an area where the market is hot.
Don't worry. You're not screwing the dealer. This is an easy transaction for them. $400-800 on your car without the holdback is nice dough. They want to up sell all the finance goodies and your service business anyway.
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