{"_generator": {"name": "Brandry.ai", "url": "https://brandry.ai", "generated_at": "2026-07-26T16:50:04Z"}, "generated_at": "2026-07-26T16:50:04Z", "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "slug": "castlemazdadownersgrove", "domain_id": "92", "address": "1850 Ogden Ave", "city": "Downers Grove", "state": "IL", "zip": "60515", "phone": "(630) 598-9970", "lat": 41.808391, "lon": -88.031751, "website": "https://www.castlemazdadownersgrove.com", "base": "https://ai.castlemazdadownersgrove.com", "mcp_endpoint": "https://ai.castlemazdadownersgrove.com/api/ucp/mcp", "disclosure": null, "pricing": null, "hours_detail": null}, "counts": {"total": 526, "new": 268, "used": 254, "certified": 4, "offers": 0}, "price_health": {"vehicles": 526, "flagged": 525, "by_issue": {"price_source_undated": 525, "doc_fee_policy_unknown": 525}, "policy_unknown": 526, "price_includes_doc_fee": 0, "price_source_stale": 0, "price_source_stale_after_hours": 48, "price_source_oldest_hours": null, "price_source_median_hours": null, "price_source_undated": 525, "price_suppressed_stale": 525, "price_suppressed_pct": 99.8, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjbhd5t1213640/2026-mazda-cx-70-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJBHD5T1213640.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJBHD5T1213640.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJBHD5T1213640.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjbhd5t1213640/2026-mazda-cx-70-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KJBHD5T1213640, VIN JM3KJBHD5T1213640. Advertised price: $45,075. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$45,075"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45075.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJBHD5T1213640_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 817, "unit": "per_month", "display": "$817/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45075.0, "price_incl_doc": 45075.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.6, "amount_financed": 47892.19, "sales_tax": 2817.19, "total_of_payments": 48995.8, "finance_charge": 1103.61, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJBHD5T1213640, VIN JM3KJBHD5T1213640. $817 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $45,075, before any dealer documentation fee. Amount financed $47,892, including $2,817 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $48,996. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD5T1213640_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 711, "unit": "per_month", "display": "$711/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45075.0, "price_incl_doc": 45075.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 710.94, "amount_financed": 47892.19, "sales_tax": 2817.19, "total_of_payments": 59718.98, "finance_charge": 11826.79, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJBHD5T1213640, VIN JM3KJBHD5T1213640. $711 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,075, before any dealer documentation fee. Amount financed $47,892, including $2,817 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,719. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD5T1213640_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45075.0, "selling_price": 45075.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 640.42, "net_cap_cost": 45670.0, "residual_value": 27946.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 640.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 800.42}, "total_of_payments": 23040, "total_of_payments_unrounded": 23055.12}, "disclosure": "Estimated lease payment for stock #JM3KJBHD5T1213640, VIN JM3KJBHD5T1213640. $640 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $800, made up of $640 first payment, $60 title, $100 registration. MSRP $45,075. Lease selling price $45,075. Net capitalized cost $45,670. Residual value $27,946, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD5T1213640_lease", "type": "lease", "label": "Lease", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45075.0, "selling_price": 45075.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 547.12, "net_cap_cost": 42671.0, "residual_value": 27946.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 547.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3706.12}, "total_of_payments": 19692, "total_of_payments_unrounded": 19696.32}, "disclosure": "Estimated lease payment for stock #JM3KJBHD5T1213640, VIN JM3KJBHD5T1213640. $547 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,706, made up of $547 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,075. Lease selling price $45,075. Net capitalized cost $42,671. Residual value $27,946, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 28, "elapsed_ms": 348}}, {"vin": "JM3KKCHDXT1387237", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 45491.0, "msrp": 49895.0, "sale_price": 45491.0, "currency": "USD", "mileage": 7, "exterior_color": "Artisan Red Premium", "interior_color": "Greige Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid 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of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchdxt1387237/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHDXT1387237.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHDXT1387237.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHDXT1387237.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchdxt1387237/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,404. This offer applies to Stock #MD262696, VIN JM3KKCHDXT1387237. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,895. Advertised price: $45,491. Savings: $4,404, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,895"}, {"label": "Advertised price", "value": "$45,491"}, {"label": "Savings", "value": "$4,404, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,404", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45491.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHDXT1387237_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 824, "unit": "per_month", "display": "$824/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45491.0, "price_incl_doc": 45491.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 824.13, "amount_financed": 48334.19, "sales_tax": 2843.19, "total_of_payments": 49447.99, "finance_charge": 1113.8, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262696, VIN JM3KKCHDXT1387237. $824 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $45,491, before any dealer documentation fee. Amount financed $48,334, including $2,843 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $49,448. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1387237_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45491.0, "price_incl_doc": 45491.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.5, "amount_financed": 48334.19, "sales_tax": 2843.19, "total_of_payments": 60270.13, "finance_charge": 11935.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262696, VIN JM3KKCHDXT1387237. $718 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,491, before any dealer documentation fee. Amount financed $48,334, including $2,843 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,270. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1387237_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49895.0, "selling_price": 45491.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 569.92, "net_cap_cost": 46086.0, "residual_value": 30934.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 569.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 729.92}, "total_of_payments": 20520, "total_of_payments_unrounded": 20517.12}, "disclosure": "Estimated lease payment for stock #MD262696, VIN JM3KKCHDXT1387237. $570 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $730, made up of $570 first payment, $60 title, $100 registration. MSRP $49,895. Lease selling price $45,491. Net capitalized cost $46,086. Residual value $30,935, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,520. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1387237_lease", "type": "lease", "label": "Lease", "headline": {"value": 477, "unit": "per_month", "display": "$477/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49895.0, "selling_price": 45491.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 476.63, "net_cap_cost": 43087.0, "residual_value": 30934.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 476.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3635.63}, "total_of_payments": 17172, "total_of_payments_unrounded": 17158.68}, "disclosure": "Estimated lease payment for stock #MD262696, VIN JM3KKCHDXT1387237. $477 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,636, made up of $477 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,895. Lease selling price $45,491. Net capitalized cost $43,087. Residual value $30,935, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,172. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 342}}, {"vin": "JM3KMCHA4T0206803", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36385.0, "msrp": 36385.0, "sale_price": 36385.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA4T0206803", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0206803_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36385.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0206803/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0206803/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA4T0206803.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0206803.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0206803.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0206803/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. Advertised price: $36,385. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,385"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36385.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA4T0206803_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 738, "unit": "per_month", "display": "$738/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.25, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 44295.27, "finance_charge": 5636.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. $738 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,295. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0206803_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.51, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 46116.71, "finance_charge": 7457.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. $641 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,117. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0206803_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.88, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 48205.76, "finance_charge": 9546.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,206. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0206803_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36385.0, "selling_price": 36385.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 520.52, "net_cap_cost": 36980.0, "residual_value": 22558.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 680.52}, "total_of_payments": 18756, "total_of_payments_unrounded": 18738.72}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. $521 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $681, made up of $521 first payment, $60 title, $100 registration. MSRP $36,385. Lease selling price $36,385. Net capitalized cost $36,980. Residual value $22,559, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0206803_lease", "type": "lease", "label": "Lease", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36385.0, "selling_price": 36385.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.23, "net_cap_cost": 33981.0, "residual_value": 22558.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.23}, "total_of_payments": 15372, "total_of_payments_unrounded": 15380.28}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0206803, VIN JM3KMCHA4T0206803. $427 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,586, made up of $427 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,385. Lease selling price $36,385. Net capitalized cost $33,981. Residual value $22,559, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,372. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 27, "elapsed_ms": 344}}, {"vin": "7MMVABDL6TN485819", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 35194.0, "msrp": 37235.0, "sale_price": 35194.0, "currency": "USD", "mileage": 35, "exterior_color": "Cypress", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl6tn485819/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABDL6TN485819.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL6TN485819.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL6TN485819.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl6tn485819/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,041. This offer applies to Stock #NRMD262769X, VIN 7MMVABDL6TN485819. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,235. Advertised price: $35,194. Savings: $2,041, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,235"}, {"label": "Advertised price", "value": "$35,194"}, {"label": "Savings", "value": "$2,041, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,041", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35194.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL6TN485819_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 714, "unit": "per_month", "display": "$714/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35194.0, "price_incl_doc": 35194.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.09, "amount_financed": 37393.63, "sales_tax": 2199.63, "total_of_payments": 42845.35, "finance_charge": 5451.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262769X, VIN 7MMVABDL6TN485819. $714 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,194, before any dealer documentation fee. Amount financed $37,394, including $2,200 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,845. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL6TN485819_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35194.0, "price_incl_doc": 35194.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 619.54, "amount_financed": 37393.63, "sales_tax": 2199.63, "total_of_payments": 44607.16, "finance_charge": 7213.53, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262769X, VIN 7MMVABDL6TN485819. $620 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,194, before any dealer documentation fee. Amount financed $37,394, including $2,200 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,607. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL6TN485819_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 555, "unit": "per_month", "display": "$555/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35194.0, "price_incl_doc": 35194.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.09, "amount_financed": 37393.63, "sales_tax": 2199.63, "total_of_payments": 46627.84, "finance_charge": 9234.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262769X, VIN 7MMVABDL6TN485819. $555 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,194, before any dealer documentation fee. Amount financed $37,394, including $2,200 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,628. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL6TN485819_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 469, "unit": "per_month", "display": "$469/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37235.0, "selling_price": 35194.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 468.76, "net_cap_cost": 35789.0, "residual_value": 23085.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 468.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 628.76}, "total_of_payments": 16884, "total_of_payments_unrounded": 16875.36}, "disclosure": "Estimated lease payment for stock #NRMD262769X, VIN 7MMVABDL6TN485819. $469 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $629, made up of $469 first payment, $60 title, $100 registration. MSRP $37,235. Lease selling price $35,194. Net capitalized cost $35,789. Residual value $23,086, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,884. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL6TN485819_lease", "type": "lease", "label": "Lease", "headline": {"value": 375, "unit": "per_month", "display": "$375/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37235.0, "selling_price": 35194.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 375.46, "net_cap_cost": 32790.0, "residual_value": 23085.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 375.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3534.46}, "total_of_payments": 13500, "total_of_payments_unrounded": 13516.56}, "disclosure": "Estimated lease payment for stock #NRMD262769X, VIN 7MMVABDL6TN485819. $375 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,534, made up of $375 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,235. Lease selling price $35,194. Net capitalized cost $32,790. Residual value $23,086, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,116. This offer applies to Stock #MD262598, VIN 3MVDMBXY4TM138623. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,185. Advertised price: $35,069. Savings: $2,116, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,185"}, {"label": "Advertised price", "value": "$35,069"}, {"label": "Savings", "value": "$2,116, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,116", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35069.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBXY4TM138623_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 651, "unit": "per_month", "display": "$651/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35069.0, "price_incl_doc": 35069.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.47, "amount_financed": 37260.81, "sales_tax": 2191.81, "total_of_payments": 39088.19, "finance_charge": 1827.38, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262598, VIN 3MVDMBXY4TM138623. $651 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $35,069, before any dealer documentation fee. Amount financed $37,261, including $2,192 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $39,088. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY4TM138623_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35069.0, "price_incl_doc": 35069.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.12, "amount_financed": 37260.81, "sales_tax": 2191.81, "total_of_payments": 46462.22, "finance_charge": 9201.41, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262598, VIN 3MVDMBXY4TM138623. $553 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,069, before any dealer documentation fee. Amount financed $37,261, including $2,192 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,462. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY4TM138623_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37185.0, "selling_price": 35069.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.73, "net_cap_cost": 35664.0, "residual_value": 23054.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 625.73}, "total_of_payments": 16776, "total_of_payments_unrounded": 16766.28}, "disclosure": "Estimated lease payment for stock #MD262598, VIN 3MVDMBXY4TM138623. $466 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $626, made up of $466 first payment, $60 title, $100 registration. MSRP $37,185. Lease selling price $35,069. Net capitalized cost $35,664. Residual value $23,055, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,776. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY4TM138623_lease", "type": "lease", "label": "Lease", "headline": {"value": 372, "unit": "per_month", "display": "$372/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37185.0, "selling_price": 35069.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 372.44, "net_cap_cost": 32665.0, "residual_value": 23054.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 372.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3531.44}, "total_of_payments": 13392, "total_of_payments_unrounded": 13407.84}, "disclosure": "Estimated lease payment for stock #MD262598, VIN 3MVDMBXY4TM138623. $372 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,531, made up of $372 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,185. Lease selling price $35,069. Net capitalized cost $32,665. Residual value $23,055, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,165"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36165.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0177291_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 734, "unit": "per_month", "display": "$734/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.79, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 44027.44, "finance_charge": 5602.13, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177291, VIN JM3KMCHAXT0177291. $734 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,027. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177291_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.64, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 45837.86, "finance_charge": 7412.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177291, VIN JM3KMCHAXT0177291. $637 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,838. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177291_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.41, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 47914.29, "finance_charge": 9488.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177291, VIN JM3KMCHAXT0177291. $570 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,914. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177291_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 517, "unit": "per_month", "display": "$517/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36165.0, "selling_price": 36165.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 517.48, "net_cap_cost": 36760.0, "residual_value": 22422.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 517.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 677.48}, "total_of_payments": 18612, "total_of_payments_unrounded": 18629.28}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0177291, VIN JM3KMCHAXT0177291. $517 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $677, made up of $517 first payment, $60 title, $100 registration. MSRP $36,165. Lease selling price $36,165. Net capitalized cost $36,760. Residual value $22,422, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,612. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177291_lease", "type": "lease", "label": "Lease", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36165.0, "selling_price": 36165.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 424.19, "net_cap_cost": 33761.0, "residual_value": 22422.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 424.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3583.19}, "total_of_payments": 15264, "total_of_payments_unrounded": 15270.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0177291, VIN JM3KMCHAXT0177291. $424 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,583, made up of $424 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,165. Lease selling price $36,165. Net capitalized cost $33,761. Residual value $22,422, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,264. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 370}}, {"vin": "7MMVABDL9TN614913", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 36870.0, "msrp": 36870.0, "sale_price": 36870.0, "currency": "USD", "mileage": null, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVABDL9TN614913", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVABDL9TN614913_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36870.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl9tn614913/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl9tn614913/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABDL9TN614913.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL9TN614913.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL9TN614913.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl9tn614913/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. Advertised price: $36,870. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,870"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36870.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL9TN614913_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.1, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 44885.72, "finance_charge": 5711.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,886. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL9TN614913_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.05, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 46731.43, "finance_charge": 7557.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,731. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL9TN614913_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.53, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 48848.34, "finance_charge": 9673.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,848. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL9TN614913_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36870.0, "selling_price": 36870.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.21, "net_cap_cost": 37465.0, "residual_value": 22859.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.21, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.21}, "total_of_payments": 18972, "total_of_payments_unrounded": 18979.56}, "disclosure": "Estimated lease payment for stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,870. Lease selling price $36,870. Net capitalized cost $37,465. Residual value $22,859, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL9TN614913_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36870.0, "selling_price": 36870.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.92, "net_cap_cost": 34466.0, "residual_value": 22859.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.92, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.92}, "total_of_payments": 15624, "total_of_payments_unrounded": 15621.12}, "disclosure": "Estimated lease payment for stock #7MMVABDL9TN614913, VIN 7MMVABDL9TN614913. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,870. Lease selling price $36,870. Net capitalized cost $34,466. Residual value $22,859, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 383}}, {"vin": "7MMVABDL3TN609402", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 35692.0, "msrp": 37790.0, "sale_price": 35692.0, "currency": "USD", "mileage": 7, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl3tn609402/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABDL3TN609402.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL3TN609402.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL3TN609402.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl3tn609402/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,098. This offer applies to Stock #MD262917, VIN 7MMVABDL3TN609402. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,790. Advertised price: $35,692. Savings: $2,098, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,790"}, {"label": "Advertised price", "value": "$35,692"}, {"label": "Savings", "value": "$2,098, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,098", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35692.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL3TN609402_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 724, "unit": "per_month", "display": "$724/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35692.0, "price_incl_doc": 35692.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 724.19, "amount_financed": 37922.75, "sales_tax": 2230.75, "total_of_payments": 43451.61, "finance_charge": 5528.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262917, VIN 7MMVABDL3TN609402. $724 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,692, before any dealer documentation fee. Amount financed $37,923, including $2,231 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,452. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL3TN609402_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 628, "unit": "per_month", "display": "$628/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35692.0, "price_incl_doc": 35692.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.31, "amount_financed": 37922.75, "sales_tax": 2230.75, "total_of_payments": 45238.36, "finance_charge": 7315.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262917, VIN 7MMVABDL3TN609402. $628 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,692, before any dealer documentation fee. Amount financed $37,923, including $2,231 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,238. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL3TN609402_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 563, "unit": "per_month", "display": "$563/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35692.0, "price_incl_doc": 35692.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 562.95, "amount_financed": 37922.75, "sales_tax": 2230.75, "total_of_payments": 47287.62, "finance_charge": 9364.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262917, VIN 7MMVABDL3TN609402. $563 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,692, before any dealer documentation fee. Amount financed $37,923, including $2,231 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,288. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL3TN609402_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37790.0, "selling_price": 35692.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 474.64, "net_cap_cost": 36287.0, "residual_value": 23429.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 474.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 634.64}, "total_of_payments": 17100, "total_of_payments_unrounded": 17087.04}, "disclosure": "Estimated lease payment for stock #MD262917, VIN 7MMVABDL3TN609402. $475 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $635, made up of $475 first payment, $60 title, $100 registration. MSRP $37,790. Lease selling price $35,692. Net capitalized cost $36,287. Residual value $23,430, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,100. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL3TN609402_lease", "type": "lease", "label": "Lease", "headline": {"value": 381, "unit": "per_month", "display": "$381/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37790.0, "selling_price": 35692.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 381.35, "net_cap_cost": 33288.0, "residual_value": 23429.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 381.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3540.35}, "total_of_payments": 13716, "total_of_payments_unrounded": 13728.6}, "disclosure": "Estimated lease payment for stock #MD262917, VIN 7MMVABDL3TN609402. $381 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,540, made up of $381 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,790. Lease selling price $35,692. Net capitalized cost $33,288. Residual value $23,430, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,716. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 200}}, {"vin": "7MMVABDL5TN612768", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 37010.0, "msrp": 37010.0, "sale_price": 37010.0, "currency": "USD", "mileage": null, "exterior_color": "Cypress", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVABDL5TN612768", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. Advertised price: $37,010. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,010"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37010.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL5TN612768_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37010.0, "price_incl_doc": 37010.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.94, "amount_financed": 39323.13, "sales_tax": 2313.13, "total_of_payments": 45056.16, "finance_charge": 5733.03, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. $751 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,010, before any dealer documentation fee. Amount financed $39,323, including $2,313 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,056. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612768_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37010.0, "price_incl_doc": 37010.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.51, "amount_financed": 39323.13, "sales_tax": 2313.13, "total_of_payments": 46908.88, "finance_charge": 7585.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. $652 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,010, before any dealer documentation fee. Amount financed $39,323, including $2,313 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,909. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612768_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37010.0, "price_incl_doc": 37010.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.74, "amount_financed": 39323.13, "sales_tax": 2313.13, "total_of_payments": 49033.82, "finance_charge": 9710.69, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. $584 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,010, before any dealer documentation fee. Amount financed $39,323, including $2,313 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612768_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37010.0, "selling_price": 37010.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 529.14, "net_cap_cost": 37605.0, "residual_value": 22946.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 529.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 689.14}, "total_of_payments": 19044, "total_of_payments_unrounded": 19049.04}, "disclosure": "Estimated lease payment for stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. $529 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $689, made up of $529 first payment, $60 title, $100 registration. MSRP $37,010. Lease selling price $37,010. Net capitalized cost $37,605. Residual value $22,946, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612768_lease", "type": "lease", "label": "Lease", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37010.0, "selling_price": 37010.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.85, "net_cap_cost": 34606.0, "residual_value": 22946.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.85}, "total_of_payments": 15696, "total_of_payments_unrounded": 15690.6}, "disclosure": "Estimated lease payment for stock #7MMVABDL5TN612768, VIN 7MMVABDL5TN612768. $436 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,595, made up of $436 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,010. Lease selling price $37,010. Net capitalized cost $34,606. Residual value $22,946, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,696. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 190}}, {"vin": "JM3KFBEM0S0751379", "title": "2025 Mazda CX-5 2.5 S Premium Plus Package", "year": 2025, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus Package", "decoded_trim": "Premium Plus", "condition": "used", "price": 35156.0, "msrp": 34743.0, "sale_price": 34881.0, "currency": "USD", "mileage": 4478, "exterior_color": "Machine Gray Metallic", "interior_color": "Parchment", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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{"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbem0s0751379/2025-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBEM0S0751379.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBEM0S0751379.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBEM0S0751379.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbem0s0751379/2025-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0870, VIN JM3KFBEM0S0751379. Advertised price: $35,156. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,156"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35156.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBEM0S0751379_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 877, "unit": "per_month", "display": "$877/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35156.0, "price_incl_doc": 35156.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 877.07, "amount_financed": 37353.25, "sales_tax": 2197.25, "total_of_payments": 42099.4, "finance_charge": 4746.15, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0870, VIN JM3KFBEM0S0751379. $877 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,156, before any dealer documentation fee. Amount financed $37,353, including $2,197 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,099. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEM0S0751379_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35156.0, "price_incl_doc": 35156.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.68, "amount_financed": 37353.25, "sales_tax": 2197.25, "total_of_payments": 43841.06, "finance_charge": 6487.81, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0870, VIN JM3KFBEM0S0751379. $731 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,156, before any dealer documentation fee. Amount financed $37,353, including $2,197 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,841. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEM0S0751379_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35156.0, "price_incl_doc": 35156.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.66, "amount_financed": 37353.25, "sales_tax": 2197.25, "total_of_payments": 45839.26, "finance_charge": 8486.01, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0870, VIN JM3KFBEM0S0751379. $637 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,156, before any dealer documentation fee. Amount financed $37,353, including $2,197 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,839. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18278.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40190.0, "price_incl_doc": 40190.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.46, "amount_financed": 42701.88, "sales_tax": 2511.88, "total_of_payments": 48927.51, "finance_charge": 6225.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA7T0182809, VIN JM3KMDHA7T0182809. $815 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,190, before any dealer documentation fee. Amount financed $42,702, including $2,512 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,928. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA7T0182809_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 707, "unit": "per_month", "display": "$707/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40190.0, "price_incl_doc": 40190.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.49, "amount_financed": 42701.88, "sales_tax": 2511.88, "total_of_payments": 50939.42, "finance_charge": 8237.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA7T0182809, VIN JM3KMDHA7T0182809. $707 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,190, before any dealer documentation fee. Amount financed $42,702, including $2,512 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,939. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA7T0182809_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40190.0, "price_incl_doc": 40190.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.89, "amount_financed": 42701.88, "sales_tax": 2511.88, "total_of_payments": 53246.94, "finance_charge": 10545.06, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA7T0182809, VIN JM3KMDHA7T0182809. $634 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,190, before any dealer documentation fee. Amount financed $42,702, including $2,512 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,247. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA7T0182809_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40190.0, "selling_price": 40190.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 573.02, "net_cap_cost": 40785.0, "residual_value": 24917.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 573.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 733.02}, "total_of_payments": 20628, "total_of_payments_unrounded": 20628.72}, "disclosure": "Estimated lease payment for stock #JM3KMDHA7T0182809, VIN JM3KMDHA7T0182809. $573 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $733, made up of $573 first payment, $60 title, $100 registration. MSRP $40,190. Lease selling price $40,190. Net capitalized cost $40,785. Residual value $24,918, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,628. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA7T0182809_lease", "type": "lease", "label": "Lease", "headline": {"value": 480, "unit": "per_month", "display": "$480/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40190.0, "selling_price": 40190.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 479.72, "net_cap_cost": 37786.0, "residual_value": 24917.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 479.72, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3638.72}, "total_of_payments": 17280, "total_of_payments_unrounded": 17269.92}, "disclosure": "Estimated lease payment for stock #JM3KMDHA7T0182809, VIN JM3KMDHA7T0182809. $480 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,639, made up of $480 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,190. Lease selling price $40,190. Net capitalized cost $37,786. Residual value $24,918, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,280. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 190}}, {"vin": "7MMVAABW9TN183061", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37300.0, "msrp": 37300.0, "sale_price": 37300.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", 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small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183061/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW9TN183061.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183061.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183061.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183061/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. Advertised price: $37,300. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,300"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37300.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW9TN183061_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 757, "unit": "per_month", "display": "$757/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37300.0, "price_incl_doc": 37300.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 756.82, "amount_financed": 39631.25, "sales_tax": 2331.25, "total_of_payments": 45409.2, "finance_charge": 5777.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. $757 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,300, before any dealer documentation fee. Amount financed $39,631, including $2,331 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,409. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183061_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37300.0, "price_incl_doc": 37300.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 656.62, "amount_financed": 39631.25, "sales_tax": 2331.25, "total_of_payments": 47276.44, "finance_charge": 7645.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. $657 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,300, before any dealer documentation fee. Amount financed $39,631, including $2,331 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,276. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183061_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37300.0, "price_incl_doc": 37300.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.31, "amount_financed": 39631.25, "sales_tax": 2331.25, "total_of_payments": 49418.03, "finance_charge": 9786.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,300, before any dealer documentation fee. Amount financed $39,631, including $2,331 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,418. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183061_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37300.0, "selling_price": 37300.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 533.14, "net_cap_cost": 37895.0, "residual_value": 23126.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 533.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 693.14}, "total_of_payments": 19188, "total_of_payments_unrounded": 19193.04}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. $533 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $693, made up of $533 first payment, $60 title, $100 registration. MSRP $37,300. Lease selling price $37,300. Net capitalized cost $37,895. Residual value $23,126, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,188. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183061_lease", "type": "lease", "label": "Lease", "headline": {"value": 440, "unit": "per_month", "display": "$440/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37300.0, "selling_price": 37300.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.85, "net_cap_cost": 34896.0, "residual_value": 23126.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.85}, "total_of_payments": 15840, "total_of_payments_unrounded": 15834.6}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183061, VIN 7MMVAABW9TN183061. $440 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,599, made up of $440 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,300. Lease selling price $37,300. Net capitalized cost $34,896. Residual value $23,126, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,840. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 186}}, {"vin": "JM3KMCHA6T0205295", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37405.0, "msrp": 37405.0, "sale_price": 37405.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA6T0205295", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA6T0205295_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37405.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0205295/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0205295/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA6T0205295.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA6T0205295.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA6T0205295.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0205295/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. Advertised price: $37,405. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,405"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37405.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA6T0205295_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37405.0, "price_incl_doc": 37405.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.95, "amount_financed": 39742.81, "sales_tax": 2337.81, "total_of_payments": 45537.03, "finance_charge": 5794.22, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. $759 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,405, before any dealer documentation fee. Amount financed $39,743, including $2,338 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,537. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0205295_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 658, "unit": "per_month", "display": "$658/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37405.0, "price_incl_doc": 37405.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.47, "amount_financed": 39742.81, "sales_tax": 2337.81, "total_of_payments": 47409.52, "finance_charge": 7666.71, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,405, before any dealer documentation fee. Amount financed $39,743, including $2,338 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,410. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0205295_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37405.0, "price_incl_doc": 37405.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.97, "amount_financed": 39742.81, "sales_tax": 2337.81, "total_of_payments": 49557.14, "finance_charge": 9814.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. $590 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,405, before any dealer documentation fee. Amount financed $39,743, including $2,338 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,557. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0205295_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 535, "unit": "per_month", "display": "$535/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37405.0, "selling_price": 37405.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 534.59, "net_cap_cost": 38000.0, "residual_value": 23191.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 534.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 694.59}, "total_of_payments": 19260, "total_of_payments_unrounded": 19245.24}, "disclosure": "Estimated lease payment for stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. $535 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $695, made up of $535 first payment, $60 title, $100 registration. MSRP $37,405. Lease selling price $37,405. Net capitalized cost $38,000. Residual value $23,191, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,260. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0205295_lease", "type": "lease", "label": "Lease", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37405.0, "selling_price": 37405.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 441.3, "net_cap_cost": 35001.0, "residual_value": 23191.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 441.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3600.3}, "total_of_payments": 15876, "total_of_payments_unrounded": 15886.8}, "disclosure": "Estimated lease payment for stock #JM3KMCHA6T0205295, VIN JM3KMCHA6T0205295. $441 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,600, made up of $441 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,405. Lease selling price $37,405. Net capitalized cost $35,001. Residual value $23,191, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,876. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 209}}, {"vin": "JM1BPABL8T1895365", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27000.0, "msrp": 27000.0, "sale_price": 27000.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL8T1895365", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895365_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27000.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895365/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895365/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL8T1895365.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL8T1895365.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL8T1895365.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895365/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. Advertised price: $27,000. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,000"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27000.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL8T1895365_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27000.0, "price_incl_doc": 27000.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.83, "amount_financed": 28687.5, "sales_tax": 1687.5, "total_of_payments": 32869.93, "finance_charge": 4182.43, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. $548 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,000, before any dealer documentation fee. Amount financed $28,688, including $1,688 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,870. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895365_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27000.0, "price_incl_doc": 27000.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 475.3, "amount_financed": 28687.5, "sales_tax": 1687.5, "total_of_payments": 34221.55, "finance_charge": 5534.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,000, before any dealer documentation fee. Amount financed $28,688, including $1,688 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,222. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895365_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 426, "unit": "per_month", "display": "$426/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27000.0, "price_incl_doc": 27000.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.85, "amount_financed": 28687.5, "sales_tax": 1687.5, "total_of_payments": 35771.76, "finance_charge": 7084.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. $426 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,000, before any dealer documentation fee. Amount financed $28,688, including $1,688 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,772. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895365_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27000.0, "selling_price": 27000.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 391.03, "net_cap_cost": 27595.0, "residual_value": 16740.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 551.03}, "total_of_payments": 14076, "total_of_payments_unrounded": 14077.08}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. $391 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $551, made up of $391 first payment, $60 title, $100 registration. MSRP $27,000. Lease selling price $27,000. Net capitalized cost $27,595. Residual value $16,740, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895365_lease", "type": "lease", "label": "Lease", "headline": {"value": 298, "unit": "per_month", "display": "$298/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27000.0, "selling_price": 27000.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.74, "net_cap_cost": 24596.0, "residual_value": 16740.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.74}, "total_of_payments": 10728, "total_of_payments_unrounded": 10718.64}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1895365, VIN JM1BPABL8T1895365. $298 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,457, made up of $298 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,000. Lease selling price $27,000. Net capitalized cost $24,596. Residual value $16,740, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,728. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 196}}, {"vin": "JM1BPABL2T1894843", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27785.0, "msrp": 27785.0, "sale_price": 27785.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL2T1894843", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1894843_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27785.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1894843/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1894843/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL2T1894843.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1894843.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1894843.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1894843/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. Advertised price: $27,785. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,785"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27785.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL2T1894843_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.76, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 33825.59, "finance_charge": 4304.03, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. $564 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,826. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1894843_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 489, "unit": "per_month", "display": "$489/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 489.12, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 35216.51, "finance_charge": 5694.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. $489 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,217. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1894843_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 438, "unit": "per_month", "display": "$438/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.24, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 36811.79, "finance_charge": 7290.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. $438 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,812. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1894843_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27785.0, "selling_price": 27785.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.86, "net_cap_cost": 28380.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 561.86}, "total_of_payments": 14472, "total_of_payments_unrounded": 14466.96}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. $402 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $562, made up of $402 first payment, $60 title, $100 registration. MSRP $27,785. Lease selling price $27,785. Net capitalized cost $28,380. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1894843_lease", "type": "lease", "label": "Lease", "headline": {"value": 309, "unit": "per_month", "display": "$309/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27785.0, "selling_price": 27785.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 308.57, "net_cap_cost": 25381.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 308.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3467.57}, "total_of_payments": 11124, "total_of_payments_unrounded": 11108.52}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1894843, VIN JM1BPABL2T1894843. $309 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,468, made up of $309 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,785. Lease selling price $27,785. Net capitalized cost $25,381. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,124. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 203}}, {"vin": "JM3KMEHA1T0183217", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41505.0, "msrp": 41505.0, "sale_price": 41505.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA1T0183217", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA1T0183217_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41505.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha1t0183217/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha1t0183217/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA1T0183217.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA1T0183217.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA1T0183217.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha1t0183217/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. Advertised price: $41,505. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,505"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41505.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA1T0183217_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 842, "unit": "per_month", "display": "$842/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41505.0, "price_incl_doc": 41505.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 842.14, "amount_financed": 44099.06, "sales_tax": 2594.06, "total_of_payments": 50528.39, "finance_charge": 6429.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. $842 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,505, before any dealer documentation fee. Amount financed $44,099, including $2,594 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,528. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA1T0183217_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41505.0, "price_incl_doc": 41505.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.64, "amount_financed": 44099.06, "sales_tax": 2594.06, "total_of_payments": 52606.13, "finance_charge": 8507.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. $731 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,505, before any dealer documentation fee. Amount financed $44,099, including $2,594 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,606. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA1T0183217_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 655, "unit": "per_month", "display": "$655/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41505.0, "price_incl_doc": 41505.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 654.63, "amount_financed": 44099.06, "sales_tax": 2594.06, "total_of_payments": 54989.15, "finance_charge": 10890.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. $655 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,505, before any dealer documentation fee. Amount financed $44,099, including $2,594 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,989. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA1T0183217_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 591, "unit": "per_month", "display": "$591/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41505.0, "selling_price": 41505.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 591.16, "net_cap_cost": 42100.0, "residual_value": 25733.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 591.16, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 751.16}, "total_of_payments": 21276, "total_of_payments_unrounded": 21281.76}, "disclosure": "Estimated lease payment for stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. $591 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $751, made up of $591 first payment, $60 title, $100 registration. MSRP $41,505. Lease selling price $41,505. Net capitalized cost $42,100. Residual value $25,733, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,276. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA1T0183217_lease", "type": "lease", "label": "Lease", "headline": {"value": 498, "unit": "per_month", "display": "$498/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41505.0, "selling_price": 41505.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 497.87, "net_cap_cost": 39101.0, "residual_value": 25733.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 497.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3656.87}, "total_of_payments": 17928, "total_of_payments_unrounded": 17923.32}, "disclosure": "Estimated lease payment for stock #JM3KMEHA1T0183217, VIN JM3KMEHA1T0183217. $498 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,657, made up of $498 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,505. Lease selling price $41,505. Net capitalized cost $39,101. Residual value $25,733, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,928. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 194}}, {"vin": "JM1BPABL7T1896314", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 26975.0, "msrp": 26975.0, "sale_price": 26975.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL7T1896314", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1896314_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26975.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1896314/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1896314/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL7T1896314.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL7T1896314.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL7T1896314.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1896314/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. Advertised price: $26,975. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,975"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL7T1896314_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.32, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 32839.5, "finance_charge": 4178.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. $547 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,840. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1896314_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 474.86, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 34189.87, "finance_charge": 5528.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,190. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1896314_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.46, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 35738.65, "finance_charge": 7077.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. $425 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,739. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1896314_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26975.0, "selling_price": 26975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.69, "net_cap_cost": 27570.0, "residual_value": 16724.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 550.69}, "total_of_payments": 14076, "total_of_payments_unrounded": 14064.84}, "disclosure": "Estimated lease payment for stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. $391 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $551, made up of $391 first payment, $60 title, $100 registration. MSRP $26,975. Lease selling price $26,975. Net capitalized cost $27,570. Residual value $16,724, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1896314_lease", "type": "lease", "label": "Lease", "headline": {"value": 297, "unit": "per_month", "display": "$297/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26975.0, "selling_price": 26975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.4, "net_cap_cost": 24571.0, "residual_value": 16724.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.4}, "total_of_payments": 10692, "total_of_payments_unrounded": 10706.4}, "disclosure": "Estimated lease payment for stock #JM1BPABL7T1896314, VIN JM1BPABL7T1896314. $297 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,456, made up of $297 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,975. Lease selling price $26,975. Net capitalized cost $24,571. Residual value $16,724, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 206}}, {"vin": "JM3KMBHA5T0186202", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 34390.0, "msrp": 34390.0, "sale_price": 34540.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA5T0186202", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0186202_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34390.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0186202/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0186202/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA5T0186202.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0186202.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0186202.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0186202/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. Advertised price: $34,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA5T0186202_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 698, "unit": "per_month", "display": "$698/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34390.0, "price_incl_doc": 34390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.78, "amount_financed": 36539.38, "sales_tax": 2149.38, "total_of_payments": 41866.56, "finance_charge": 5327.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. $698 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,390, before any dealer documentation fee. Amount financed $36,539, including $2,149 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,867. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0186202_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34390.0, "price_incl_doc": 34390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 605.39, "amount_financed": 36539.38, "sales_tax": 2149.38, "total_of_payments": 43588.12, "finance_charge": 7048.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,390, before any dealer documentation fee. Amount financed $36,539, including $2,149 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,588. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0186202_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 542, "unit": "per_month", "display": "$542/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34390.0, "price_incl_doc": 34390.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.41, "amount_financed": 36539.38, "sales_tax": 2149.38, "total_of_payments": 45562.64, "finance_charge": 9023.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,390, before any dealer documentation fee. Amount financed $36,539, including $2,149 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,563. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0186202_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 493, "unit": "per_month", "display": "$493/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34390.0, "selling_price": 34390.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 492.99, "net_cap_cost": 34985.0, "residual_value": 21321.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 492.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 652.99}, "total_of_payments": 17748, "total_of_payments_unrounded": 17747.64}, "disclosure": "Estimated lease payment for stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. $493 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $653, made up of $493 first payment, $60 title, $100 registration. MSRP $34,390. Lease selling price $34,390. Net capitalized cost $34,985. Residual value $21,322, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,748. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0186202_lease", "type": "lease", "label": "Lease", "headline": {"value": 400, "unit": "per_month", "display": "$400/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34390.0, "selling_price": 34390.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 399.7, "net_cap_cost": 31986.0, "residual_value": 21321.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 399.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3558.7}, "total_of_payments": 14400, "total_of_payments_unrounded": 14389.2}, "disclosure": "Estimated lease payment for stock #JM3KMBHA5T0186202, VIN JM3KMBHA5T0186202. $400 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,559, made up of $400 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,390. Lease selling price $34,390. Net capitalized cost $31,986. Residual value $21,322, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,400. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wauefbf23pn008385/2023-audi-s6-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wauefbf23pn008385/2023-audi-s6-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/WAUEFBF23PN008385.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/WAUEFBF23PN008385.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/WAUEFBF23PN008385.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wauefbf23pn008385/2023-audi-s6-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV0762, VIN WAUEFBF23PN008385. Advertised price: $50,412. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$50,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WAUEFBF23PN008385_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1258, "unit": "per_month", "display": "$1,258/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50412.0, "price_incl_doc": 50412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1257.68, "amount_financed": 53562.75, "sales_tax": 3150.75, "total_of_payments": 60368.5, "finance_charge": 6805.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0762, VIN WAUEFBF23PN008385. $1,258 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $50,412, before any dealer documentation fee. Amount financed $53,563, including $3,151 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $60,368. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WAUEFBF23PN008385_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1048, "unit": "per_month", "display": "$1,048/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50412.0, "price_incl_doc": 50412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1047.77, "amount_financed": 53562.75, "sales_tax": 3150.75, "total_of_payments": 62865.95, "finance_charge": 9303.2, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0762, VIN WAUEFBF23PN008385. $1,048 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $50,412, before any dealer documentation fee. Amount financed $53,563, including $3,151 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $62,866. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WAUEFBF23PN008385_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 913, "unit": "per_month", "display": "$913/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50412.0, "price_incl_doc": 50412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 912.93, "amount_financed": 53562.75, "sales_tax": 3150.75, "total_of_payments": 65731.28, "finance_charge": 12168.53, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0762, VIN WAUEFBF23PN008385. $913 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $50,412, before any dealer documentation fee. Amount financed $53,563, including $3,151 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $65,731. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "7MMVABAL9TN493613", "title": "2026 Mazda CX-50 2.5 S Select", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Select", "decoded_trim": "Select", "condition": "new", "price": 30205.0, "msrp": 31620.0, "sale_price": 30205.0, "currency": "USD", "mileage": 55, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD263002", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://service.secureoffersites.com/images/GetEvoxImage?styleid=480973", "images": ["https://service.secureoffersites.com/images/GetEvoxImage?styleid=480973"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 31620.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabal9tn493613/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabal9tn493613/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABAL9TN493613.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABAL9TN493613.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABAL9TN493613.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabal9tn493613/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,415. This offer applies to Stock #MD263002, VIN 7MMVABAL9TN493613. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $31,620. Advertised price: $30,205. Savings: $1,415, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$31,620"}, {"label": "Advertised price", "value": "$30,205"}, {"label": "Savings", "value": "$1,415, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,415", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30205.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABAL9TN493613_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 613, "unit": "per_month", "display": "$613/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30205.0, "price_incl_doc": 30205.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 612.86, "amount_financed": 32092.81, "sales_tax": 1887.81, "total_of_payments": 36771.71, "finance_charge": 4678.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD263002, VIN 7MMVABAL9TN493613. $613 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $30,205, before any dealer documentation fee. Amount financed $32,093, including $1,888 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,772. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL9TN493613_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30205.0, "price_incl_doc": 30205.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.72, "amount_financed": 32092.81, "sales_tax": 1887.81, "total_of_payments": 38283.77, "finance_charge": 6190.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD263002, VIN 7MMVABAL9TN493613. $532 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $30,205, before any dealer documentation fee. Amount financed $32,093, including $1,888 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $38,284. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL9TN493613_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 476, "unit": "per_month", "display": "$476/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30205.0, "price_incl_doc": 30205.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 476.4, "amount_financed": 32092.81, "sales_tax": 1887.81, "total_of_payments": 40018.0, "finance_charge": 7925.19, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD263002, VIN 7MMVABAL9TN493613. $476 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,205, before any dealer documentation fee. Amount financed $32,093, including $1,888 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,018. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL9TN493613_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 411, "unit": "per_month", "display": "$411/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31620.0, "selling_price": 30205.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 410.76, "net_cap_cost": 30800.0, "residual_value": 19604.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 410.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 570.76}, "total_of_payments": 14796, "total_of_payments_unrounded": 14787.36}, "disclosure": "Estimated lease payment for stock #MD263002, VIN 7MMVABAL9TN493613. $411 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $571, made up of $411 first payment, $60 title, $100 registration. MSRP $31,620. Lease selling price $30,205. Net capitalized cost $30,800. Residual value $19,604, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,796. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL9TN493613_lease", "type": "lease", "label": "Lease", "headline": {"value": 317, "unit": "per_month", "display": "$317/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31620.0, "selling_price": 30205.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 317.47, "net_cap_cost": 27801.0, "residual_value": 19604.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 317.47, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3476.47}, "total_of_payments": 11412, "total_of_payments_unrounded": 11428.92}, "disclosure": "Estimated lease payment for stock #MD263002, VIN 7MMVABAL9TN493613. $317 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,476, made up of $317 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,620. Lease selling price $30,205. Net capitalized cost $27,801. Residual value $19,604, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,412. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 197}}, {"vin": "JM3KMCHAXT0179137", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36215.0, "msrp": 36215.0, "sale_price": 36215.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0179137", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0179137_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36215.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0179137/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0179137/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0179137.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0179137.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0179137.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0179137/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. Advertised price: $36,215. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,215"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36215.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0179137_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 735, "unit": "per_month", "display": "$735/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36215.0, "price_incl_doc": 36215.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 734.81, "amount_financed": 38478.44, "sales_tax": 2263.44, "total_of_payments": 44088.32, "finance_charge": 5609.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. $735 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,215, before any dealer documentation fee. Amount financed $38,478, including $2,263 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,088. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0179137_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 638, "unit": "per_month", "display": "$638/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36215.0, "price_incl_doc": 36215.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 637.52, "amount_financed": 38478.44, "sales_tax": 2263.44, "total_of_payments": 45901.24, "finance_charge": 7422.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. $638 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,215, before any dealer documentation fee. Amount financed $38,478, including $2,263 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,901. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0179137_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 571, "unit": "per_month", "display": "$571/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36215.0, "price_incl_doc": 36215.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.2, "amount_financed": 38478.44, "sales_tax": 2263.44, "total_of_payments": 47980.54, "finance_charge": 9502.1, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. $571 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,215, before any dealer documentation fee. Amount financed $38,478, including $2,263 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,981. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0179137_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36215.0, "selling_price": 36215.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.17, "net_cap_cost": 36810.0, "residual_value": 22453.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 678.17}, "total_of_payments": 18648, "total_of_payments_unrounded": 18654.12}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. $518 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $678, made up of $518 first payment, $60 title, $100 registration. MSRP $36,215. Lease selling price $36,215. Net capitalized cost $36,810. Residual value $22,453, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,648. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0179137_lease", "type": "lease", "label": "Lease", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36215.0, "selling_price": 36215.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 424.88, "net_cap_cost": 33811.0, "residual_value": 22453.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 424.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3583.88}, "total_of_payments": 15300, "total_of_payments_unrounded": 15295.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0179137, VIN JM3KMCHAXT0179137. $425 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,584, made up of $425 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,215. Lease selling price $36,215. Net capitalized cost $33,811. Residual value $22,453, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,300. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 191}}, {"vin": "5NMJBCDEXTH670892", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 30693.0, "msrp": 30280.0, "sale_price": 31316.0, "currency": "USD", "mileage": 39, "exterior_color": "Ecotronic Gray", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260469", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d4956d32d1ca40e99259e68aa527782b.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d4956d32d1ca40e99259e68aa527782b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5d5236fdb9124d70bc7eb8ba0fbb2c40.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bc577b05c3694ea493aa194d94687520.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1cbe81b810264d34bd8febae97ad5e75.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9bd5497e14ee41428d46fc22903f7f0f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f1ce58415c64436e9371673eabe9b53f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7f7d53cc0ee4f95a9598bd570a47123.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/51a3f7399de546229a7dd5e46db99ef0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2bd3e1079d0d40a79f322d8a60e7d88d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c62b1df51e4c4b15a3e8e4308fbedf41.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5fd01304ba7549d9ac15bac897214809.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/531fc37470f041b881e37d0803935d70.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b4d0ab9b8a3d4d43a21a4911ad85be80.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cbb86ec20a9a4b3792206c9cad418234.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f9bb00ef6e894e81b5ca0ae827b23064.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9eed1df59ea44d30b3c90eccf40664dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3c3ba8b0fd7c43eba43b49e1b35a4381.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/826467c2350e4a328e13063e5916b9df.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad96ab468321466292285bcafa9f4292.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "SEL, SEL Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 30280.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMJBCDEXTH670892.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth670892/2026-hyundai-tucson-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth670892/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJBCDEXTH670892.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDEXTH670892.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDEXTH670892.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth670892/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #LHD260469, VIN 5NMJBCDEXTH670892. Advertised price: $30,693. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,693"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30693.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDEXTH670892_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 766, "unit": "per_month", "display": "$766/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30693.0, "price_incl_doc": 30693.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 765.73, "amount_financed": 32611.31, "sales_tax": 1918.31, "total_of_payments": 36754.95, "finance_charge": 4143.64, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260469, VIN 5NMJBCDEXTH670892. $766 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,693, before any dealer documentation fee. Amount financed $32,611, including $1,918 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,755. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDEXTH670892_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 638, "unit": "per_month", "display": "$638/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30693.0, "price_incl_doc": 30693.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 637.92, "amount_financed": 32611.31, "sales_tax": 1918.31, "total_of_payments": 38275.5, "finance_charge": 5664.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260469, VIN 5NMJBCDEXTH670892. $638 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,693, before any dealer documentation fee. Amount financed $32,611, including $1,918 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,276. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDEXTH670892_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30693.0, "price_incl_doc": 30693.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.83, "amount_financed": 32611.31, "sales_tax": 1918.31, "total_of_payments": 40020.04, "finance_charge": 7408.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260469, VIN 5NMJBCDEXTH670892. $556 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,693, before any dealer documentation fee. Amount financed $32,611, including $1,918 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,020. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KKEHD5T1385598", "title": "2026 Mazda CX-90 3.3 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 48743.0, "msrp": 53300.0, "sale_price": 48743.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262745", "stock_status": "Available", 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehd5t1385598/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHD5T1385598.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHD5T1385598.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHD5T1385598.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehd5t1385598/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,557. This offer applies to Stock #MD262745, VIN JM3KKEHD5T1385598. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $53,300. Advertised price: $48,743. Savings: $4,557, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$53,300"}, {"label": "Advertised price", "value": "$48,743"}, {"label": "Savings", "value": "$4,557, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,557", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48743.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHD5T1385598_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 883, "unit": "per_month", "display": "$883/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48743.0, "price_incl_doc": 48743.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 883.05, "amount_financed": 51789.44, "sales_tax": 3046.44, "total_of_payments": 52982.86, "finance_charge": 1193.42, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262745, VIN JM3KKEHD5T1385598. $883 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $48,743, before any dealer documentation fee. Amount financed $51,789, including $3,046 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $52,983. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD5T1385598_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 769, "unit": "per_month", "display": "$769/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48743.0, "price_incl_doc": 48743.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 768.79, "amount_financed": 51789.44, "sales_tax": 3046.44, "total_of_payments": 64578.64, "finance_charge": 12789.2, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262745, VIN JM3KKEHD5T1385598. $769 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,743, before any dealer documentation fee. Amount financed $51,789, including $3,046 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,579. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD5T1385598_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 612, "unit": "per_month", "display": "$612/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53300.0, "selling_price": 48743.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 612.14, "net_cap_cost": 49338.0, "residual_value": 33046.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 612.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 772.14}, "total_of_payments": 22032, "total_of_payments_unrounded": 22037.04}, "disclosure": "Estimated lease payment for stock #MD262745, VIN JM3KKEHD5T1385598. $612 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $772, made up of $612 first payment, $60 title, $100 registration. MSRP $53,300. Lease selling price $48,743. Net capitalized cost $49,338. Residual value $33,046, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,032. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD5T1385598_lease", "type": "lease", "label": "Lease", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53300.0, "selling_price": 48743.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.85, "net_cap_cost": 46339.0, "residual_value": 33046.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3677.85}, "total_of_payments": 18684, "total_of_payments_unrounded": 18678.6}, "disclosure": "Estimated lease payment for stock #MD262745, VIN JM3KKEHD5T1385598. $519 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,678, made up of $519 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,300. Lease selling price $48,743. Net capitalized cost $46,339. Residual value $33,046, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,684. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 187}}, {"vin": "7MMVABBL6TN609123", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34510.0, "msrp": 34510.0, "sale_price": 32577.0, "currency": "USD", "mileage": 2, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262909", "stock_status": "Available", "availability": "In Stock", 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the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl6tn609123/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL6TN609123.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL6TN609123.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL6TN609123.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl6tn609123/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262909, VIN 7MMVABBL6TN609123. Advertised price: $34,510. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,510"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34510.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL6TN609123_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 700, "unit": "per_month", "display": "$700/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34510.0, "price_incl_doc": 34510.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.21, "amount_financed": 36666.88, "sales_tax": 2156.88, "total_of_payments": 42012.65, "finance_charge": 5345.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262909, VIN 7MMVABBL6TN609123. $700 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,510, before any dealer documentation fee. Amount financed $36,667, including $2,157 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,013. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN609123_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34510.0, "price_incl_doc": 34510.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.5, "amount_financed": 36666.88, "sales_tax": 2156.88, "total_of_payments": 43740.22, "finance_charge": 7073.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262909, VIN 7MMVABBL6TN609123. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,510, before any dealer documentation fee. Amount financed $36,667, including $2,157 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,740. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN609123_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34510.0, "price_incl_doc": 34510.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.31, "amount_financed": 36666.88, "sales_tax": 2156.88, "total_of_payments": 45721.62, "finance_charge": 9054.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262909, VIN 7MMVABBL6TN609123. $544 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,510, before any dealer documentation fee. Amount financed $36,667, including $2,157 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,722. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN609123_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34510.0, "selling_price": 34510.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.65, "net_cap_cost": 35105.0, "residual_value": 21396.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.65, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 654.65}, "total_of_payments": 17820, "total_of_payments_unrounded": 17807.4}, "disclosure": "Estimated lease payment for stock #MD262909, VIN 7MMVABBL6TN609123. $495 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $655, made up of $495 first payment, $60 title, $100 registration. MSRP $34,510. Lease selling price $34,510. Net capitalized cost $35,105. Residual value $21,396, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN609123_lease", "type": "lease", "label": "Lease", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34510.0, "selling_price": 34510.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.36, "net_cap_cost": 32106.0, "residual_value": 21396.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.36, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3560.36}, "total_of_payments": 14436, "total_of_payments_unrounded": 14448.96}, "disclosure": "Estimated lease payment for stock #MD262909, VIN 7MMVABBL6TN609123. $401 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,560, made up of $401 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,510. Lease selling price $34,510. Net capitalized cost $32,106. Residual value $21,396, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,436. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 179}}, {"vin": "1C4HJXEN1LW272507", "title": "2020 Jeep Wrangler Unlimited Sahara", "year": 2020, "make": "Jeep", "model": "Wrangler Unlimited", "trim": "Sahara", "decoded_trim": "Unlimited Sahara", "condition": "used", "price": 23186.0, "msrp": 22773.0, "sale_price": 23390.0, "currency": "USD", "mileage": 94304, "exterior_color": "Black Clearcoat", "interior_color": "Black", "drivetrain": "4WD", "body_style": "Convertible", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:04Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23186.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4HJXEN1LW272507_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23186.0, "price_incl_doc": 23186.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.44, "amount_financed": 24635.13, "sales_tax": 1449.13, "total_of_payments": 27765.3, "finance_charge": 3130.17, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252226A, VIN 1C4HJXEN1LW272507. $578 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,186, before any dealer documentation fee. Amount financed $24,635, including $1,449 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,765. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXEN1LW272507_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 482, "unit": "per_month", "display": "$482/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23186.0, "price_incl_doc": 23186.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 481.9, "amount_financed": 24635.13, "sales_tax": 1449.13, "total_of_payments": 28913.95, "finance_charge": 4278.82, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252226A, VIN 1C4HJXEN1LW272507. $482 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,186, before any dealer documentation fee. Amount financed $24,635, including $1,449 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,914. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXEN1LW272507_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23186.0, "price_incl_doc": 23186.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 419.89, "amount_financed": 24635.13, "sales_tax": 1449.13, "total_of_payments": 30231.81, "finance_charge": 5596.68, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252226A, VIN 1C4HJXEN1LW272507. $420 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,186, before any dealer documentation fee. Amount financed $24,635, including $1,449 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,232. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWGA7CD9RW219925_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26890.0, "price_incl_doc": 26890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 558.88, "amount_financed": 28570.63, "sales_tax": 1680.63, "total_of_payments": 33533.0, "finance_charge": 4962.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1058, VIN WVWGA7CD9RW219925. $559 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,890, before any dealer documentation fee. Amount financed $28,571, including $1,681 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,533. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WVWGA7CD9RW219925_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 487, "unit": "per_month", "display": "$487/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26890.0, "price_incl_doc": 26890.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 486.96, "amount_financed": 28570.63, "sales_tax": 1680.63, "total_of_payments": 35061.38, "finance_charge": 6490.75, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1058, VIN WVWGA7CD9RW219925. $487 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,890, before any dealer documentation fee. Amount financed $28,571, including $1,681 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,061. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17723.0, "price_incl_doc": 17723.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 368.36, "amount_financed": 18830.69, "sales_tax": 1107.69, "total_of_payments": 22101.35, "finance_charge": 3270.66, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0969, VIN 1FATP8UH9G5257426. $368 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,723, before any dealer documentation fee. Amount financed $18,831, including $1,108 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,101. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$20,812"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20812.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2T3H1RFV4LW082676_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20812.0, "price_incl_doc": 20812.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 519.22, "amount_financed": 22112.75, "sales_tax": 1300.75, "total_of_payments": 24922.43, "finance_charge": 2809.68, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260963XA, VIN 2T3H1RFV4LW082676. $519 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,812, before any dealer documentation fee. Amount financed $22,113, including $1,301 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,922. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2T3H1RFV4LW082676_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20812.0, "price_incl_doc": 20812.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 432.56, "amount_financed": 22112.75, "sales_tax": 1300.75, "total_of_payments": 25953.47, "finance_charge": 3840.72, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260963XA, VIN 2T3H1RFV4LW082676. $433 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,812, before any dealer documentation fee. Amount financed $22,113, including $1,301 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,953. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2T3H1RFV4LW082676_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 377, "unit": "per_month", "display": "$377/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20812.0, "price_incl_doc": 20812.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 376.89, "amount_financed": 22112.75, "sales_tax": 1300.75, "total_of_payments": 27136.39, "finance_charge": 5023.64, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260963XA, VIN 2T3H1RFV4LW082676. $377 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,812, before any dealer documentation fee. Amount financed $22,113, including $1,301 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,136. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde0th680136/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJBCDE0TH680136.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE0TH680136.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE0TH680136.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde0th680136/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,208"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31208.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDE0TH680136_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 779, "unit": "per_month", "display": "$779/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31208.0, "price_incl_doc": 31208.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 778.58, "amount_financed": 33158.5, "sales_tax": 1950.5, "total_of_payments": 37371.66, "finance_charge": 4213.16, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260562, VIN 5NMJBCDE0TH680136. $779 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,208, before any dealer documentation fee. Amount financed $33,158, including $1,950 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,372. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE0TH680136_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31208.0, "price_incl_doc": 31208.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.63, "amount_financed": 33158.5, "sales_tax": 1950.5, "total_of_payments": 38917.73, "finance_charge": 5759.23, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260562, VIN 5NMJBCDE0TH680136. $649 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,208, before any dealer documentation fee. Amount financed $33,158, including $1,950 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,918. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE0TH680136_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31208.0, "price_incl_doc": 31208.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.16, "amount_financed": 33158.5, "sales_tax": 1950.5, "total_of_payments": 40691.54, "finance_charge": 7533.04, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260562, VIN 5NMJBCDE0TH680136. $565 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,208, before any dealer documentation fee. Amount financed $33,158, including $1,950 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,692. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl9t1859294/2026-mazda-mazda3-sedan-sedan", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACL9T1859294.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL9T1859294.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL9T1859294.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl9t1859294/2026-mazda-mazda3-sedan-sedan", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,255. This offer applies to Stock #MD262413, VIN JM1BPACL9T1859294. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $28,715. Advertised price: $26,460. Savings: $2,255, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$28,715"}, {"label": "Advertised price", "value": "$26,460"}, {"label": "Savings", "value": "$2,255, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,255", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26460.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACL9T1859294_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 537, "unit": "per_month", "display": "$537/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26460.0, "price_incl_doc": 26460.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 536.88, "amount_financed": 28113.75, "sales_tax": 1653.75, "total_of_payments": 32212.53, "finance_charge": 4098.78, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262413, VIN JM1BPACL9T1859294. $537 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,460, before any dealer documentation fee. Amount financed $28,114, including $1,654 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,213. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL9T1859294_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26460.0, "price_incl_doc": 26460.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 465.79, "amount_financed": 28113.75, "sales_tax": 1653.75, "total_of_payments": 33537.12, "finance_charge": 5423.37, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262413, VIN JM1BPACL9T1859294. $466 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,460, before any dealer documentation fee. Amount financed $28,114, including $1,654 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,537. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL9T1859294_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26460.0, "price_incl_doc": 26460.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 417.34, "amount_financed": 28113.75, "sales_tax": 1653.75, "total_of_payments": 35056.33, "finance_charge": 6942.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262413, VIN JM1BPACL9T1859294. $417 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,460, before any dealer documentation fee. Amount financed $28,114, including $1,654 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,056. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL9T1859294_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 345, "unit": "per_month", "display": "$345/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28715.0, "selling_price": 26460.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 344.55, "net_cap_cost": 27055.0, "residual_value": 17803.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 344.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 504.55}, "total_of_payments": 12420, "total_of_payments_unrounded": 12403.8}, "disclosure": "Estimated lease payment for stock #MD262413, VIN JM1BPACL9T1859294. $345 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $505, made up of $345 first payment, $60 title, $100 registration. MSRP $28,715. Lease selling price $26,460. Net capitalized cost $27,055. Residual value $17,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,420. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL9T1859294_lease", "type": "lease", "label": "Lease", "headline": {"value": 251, "unit": "per_month", "display": "$251/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28715.0, "selling_price": 26460.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 251.25, "net_cap_cost": 24056.0, "residual_value": 17803.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 251.25, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3410.25}, "total_of_payments": 9036, "total_of_payments_unrounded": 9045.0}, "disclosure": "Estimated lease payment for stock #MD262413, VIN JM1BPACL9T1859294. $251 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,410, made up of $251 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,715. Lease selling price $26,460. Net capitalized cost $24,056. Residual value $17,803, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $9,036. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,892. This offer applies to Stock #NRMD262805, VIN 3MVDMBCL4TM152256. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,105. Advertised price: $31,213. Savings: $1,892, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$33,105"}, {"label": "Advertised price", "value": "$31,213"}, {"label": "Savings", "value": "$1,892, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,892", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31213.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL4TM152256_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 580, "unit": "per_month", "display": "$580/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31213.0, "price_incl_doc": 31213.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.84, "amount_financed": 33163.81, "sales_tax": 1950.81, "total_of_payments": 34790.26, "finance_charge": 1626.45, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262805, VIN 3MVDMBCL4TM152256. $580 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $31,213, before any dealer documentation fee. Amount financed $33,164, including $1,951 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $34,790. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL4TM152256_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31213.0, "price_incl_doc": 31213.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 492.3, "amount_financed": 33163.81, "sales_tax": 1950.81, "total_of_payments": 41353.48, "finance_charge": 8189.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262805, VIN 3MVDMBCL4TM152256. $492 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,213, before any dealer documentation fee. Amount financed $33,164, including $1,951 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,353. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL4TM152256_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33105.0, "selling_price": 31213.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 416.41, "net_cap_cost": 31808.0, "residual_value": 20525.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 416.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 576.41}, "total_of_payments": 14976, "total_of_payments_unrounded": 14990.76}, "disclosure": "Estimated lease payment for stock #NRMD262805, VIN 3MVDMBCL4TM152256. $416 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $576, made up of $416 first payment, $60 title, $100 registration. MSRP $33,105. Lease selling price $31,213. Net capitalized cost $31,808. Residual value $20,525, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL4TM152256_lease", "type": "lease", "label": "Lease", "headline": {"value": 323, "unit": "per_month", "display": "$323/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33105.0, "selling_price": 31213.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.12, "net_cap_cost": 28809.0, "residual_value": 20525.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.12, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3482.12}, "total_of_payments": 11628, "total_of_payments_unrounded": 11632.32}, "disclosure": "Estimated lease payment for stock #NRMD262805, VIN 3MVDMBCL4TM152256. $323 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,482, made up of $323 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,105. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,139. This offer applies to Stock #MD262869, VIN JM1NDAB79T0704924. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,555. Advertised price: $31,416. Savings: $2,139, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$33,555"}, {"label": "Advertised price", "value": "$31,416"}, {"label": "Savings", "value": "$2,139, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,139", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31416.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1NDAB79T0704924_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 628, "unit": "per_month", "display": "$628/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31416.0, "price_incl_doc": 31416.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 4.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda MX-5 MIATA \u2014 4.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.38, "amount_financed": 33379.5, "sales_tax": 1963.5, "total_of_payments": 37703.05, "finance_charge": 4323.55, "per_1000_financed": 18.83, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262869, VIN JM1NDAB79T0704924. $628 per month for 60 months at 4.9% APR, $0 cash down. Advertised price $31,416, before any dealer documentation fee. Amount financed $33,380, including $1,964 estimated sales tax at 6.25%. That is $18.83 per $1,000 financed. Total of payments $37,703. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAB79T0704924_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31416.0, "price_incl_doc": 31416.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 495.51, "amount_financed": 33379.5, "sales_tax": 1963.5, "total_of_payments": 41622.44, "finance_charge": 8242.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262869, VIN JM1NDAB79T0704924. $496 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,416, before any dealer documentation fee. Amount financed $33,380, including $1,964 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,622. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAB79T0704924_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 415, "unit": "per_month", "display": "$415/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33555.0, "selling_price": 31416.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 414.93, "net_cap_cost": 32011.0, "residual_value": 20804.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 414.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 574.93}, "total_of_payments": 14940, "total_of_payments_unrounded": 14937.48}, "disclosure": "Estimated lease payment for stock #MD262869, VIN JM1NDAB79T0704924. $415 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $575, made up of $415 first payment, $60 title, $100 registration. MSRP $33,555. Lease selling price $31,416. Net capitalized cost $32,011. Residual value $20,804, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,940. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAB79T0704924_lease", "type": "lease", "label": "Lease", "headline": {"value": 322, "unit": "per_month", "display": "$322/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33555.0, "selling_price": 31416.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 321.64, "net_cap_cost": 29012.0, "residual_value": 20804.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 321.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3480.64}, "total_of_payments": 11592, "total_of_payments_unrounded": 11579.04}, "disclosure": "Estimated lease payment for stock #MD262869, VIN JM1NDAB79T0704924. $322 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,481, made up of $322 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,555. Lease selling price $31,416. Net capitalized cost $29,012. Residual value $20,804, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,592. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 173}}, {"vin": "JM3KMCHAXT0177999", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36915.0, "msrp": 36915.0, "sale_price": 36915.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0177999", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0177999_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36915.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0177999/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0177999/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0177999.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0177999.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0177999.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0177999/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. Advertised price: $36,915. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,915"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36915.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0177999_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 749, "unit": "per_month", "display": "$749/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36915.0, "price_incl_doc": 36915.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.01, "amount_financed": 39222.19, "sales_tax": 2307.19, "total_of_payments": 44940.5, "finance_charge": 5718.31, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. $749 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,915, before any dealer documentation fee. Amount financed $39,222, including $2,307 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,940. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177999_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36915.0, "price_incl_doc": 36915.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.84, "amount_financed": 39222.19, "sales_tax": 2307.19, "total_of_payments": 46788.47, "finance_charge": 7566.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,915, before any dealer documentation fee. Amount financed $39,222, including $2,307 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,788. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177999_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36915.0, "price_incl_doc": 36915.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.24, "amount_financed": 39222.19, "sales_tax": 2307.19, "total_of_payments": 48907.95, "finance_charge": 9685.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,915, before any dealer documentation fee. Amount financed $39,222, including $2,307 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,908. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177999_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36915.0, "selling_price": 36915.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.83, "net_cap_cost": 37510.0, "residual_value": 22887.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.83}, "total_of_payments": 19008, "total_of_payments_unrounded": 19001.88}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $36,915. Lease selling price $36,915. Net capitalized cost $37,510. Residual value $22,887, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0177999_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36915.0, "selling_price": 36915.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.54, "net_cap_cost": 34511.0, "residual_value": 22887.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.54, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.54}, "total_of_payments": 15660, "total_of_payments_unrounded": 15643.44}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0177999, VIN JM3KMCHAXT0177999. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,915. Lease selling price $36,915. Net capitalized cost $34,511. Residual value $22,887, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 173}}, {"vin": "JM3KMEHAXT0179926", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41315.0, "msrp": 41315.0, "sale_price": 41315.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHAXT0179926", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHAXT0179926_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41315.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmehaxt0179926/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmehaxt0179926/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHAXT0179926.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHAXT0179926.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHAXT0179926.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmehaxt0179926/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. Advertised price: $41,315. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,315"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41315.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHAXT0179926_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 838, "unit": "per_month", "display": "$838/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41315.0, "price_incl_doc": 41315.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 838.28, "amount_financed": 43897.19, "sales_tax": 2582.19, "total_of_payments": 50297.08, "finance_charge": 6399.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. $838 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,315, before any dealer documentation fee. Amount financed $43,897, including $2,582 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,297. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHAXT0179926_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 727, "unit": "per_month", "display": "$727/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41315.0, "price_incl_doc": 41315.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.3, "amount_financed": 43897.19, "sales_tax": 2582.19, "total_of_payments": 52365.31, "finance_charge": 8468.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. $727 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,315, before any dealer documentation fee. Amount financed $43,897, including $2,582 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,365. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHAXT0179926_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41315.0, "price_incl_doc": 41315.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.64, "amount_financed": 43897.19, "sales_tax": 2582.19, "total_of_payments": 54737.43, "finance_charge": 10840.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. $652 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,315, before any dealer documentation fee. Amount financed $43,897, including $2,582 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,737. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHAXT0179926_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41315.0, "selling_price": 41315.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 588.54, "net_cap_cost": 41910.0, "residual_value": 25615.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 588.54, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 748.54}, "total_of_payments": 21204, "total_of_payments_unrounded": 21187.44}, "disclosure": "Estimated lease payment for stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. $589 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $749, made up of $589 first payment, $60 title, $100 registration. MSRP $41,315. Lease selling price $41,315. Net capitalized cost $41,910. Residual value $25,615, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,204. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHAXT0179926_lease", "type": "lease", "label": "Lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41315.0, "selling_price": 41315.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.25, "net_cap_cost": 38911.0, "residual_value": 25615.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.25, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3654.25}, "total_of_payments": 17820, "total_of_payments_unrounded": 17829.0}, "disclosure": "Estimated lease payment for stock #JM3KMEHAXT0179926, VIN JM3KMEHAXT0179926. $495 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,654, made up of $495 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,315. Lease selling price $41,315. Net capitalized cost $38,911. Residual value $25,615, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 34, "elapsed_ms": 200}}, {"vin": "5YJSA1E23JF248476", "title": "2018 Tesla Model S 75D", "year": 2018, "make": "Tesla", "model": "Model S", "trim": "75D", "decoded_trim": null, "condition": "used", "price": 23171.0, "msrp": 22758.0, "sale_price": 23499.0, "currency": "USD", "mileage": 94864, "exterior_color": "Deep Blue Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Electric Fuel System", "doors": 4, "seating_capacity": null, "engine": 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl5tn610957/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. Advertised price: $34,840. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,840"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL5TN610957_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 707, "unit": "per_month", "display": "$707/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34840.0, "price_incl_doc": 34840.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.91, "amount_financed": 37017.5, "sales_tax": 2177.5, "total_of_payments": 42414.39, "finance_charge": 5396.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. $707 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,840, before any dealer documentation fee. Amount financed $37,018, including $2,178 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,414. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN610957_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 613, "unit": "per_month", "display": "$613/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34840.0, "price_incl_doc": 34840.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 613.31, "amount_financed": 37017.5, "sales_tax": 2177.5, "total_of_payments": 44158.48, "finance_charge": 7140.98, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. $613 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,840, before any dealer documentation fee. Amount financed $37,018, including $2,178 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,158. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN610957_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 550, "unit": "per_month", "display": "$550/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34840.0, "price_incl_doc": 34840.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 549.51, "amount_financed": 37017.5, "sales_tax": 2177.5, "total_of_payments": 46158.82, "finance_charge": 9141.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. $550 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,840, before any dealer documentation fee. Amount financed $37,018, including $2,178 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,159. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN610957_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 499, "unit": "per_month", "display": "$499/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34840.0, "selling_price": 34840.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.2, "net_cap_cost": 35435.0, "residual_value": 21600.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 659.2}, "total_of_payments": 17964, "total_of_payments_unrounded": 17971.2}, "disclosure": "Estimated lease payment for stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. $499 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $659, made up of $499 first payment, $60 title, $100 registration. MSRP $34,840. Lease selling price $34,840. Net capitalized cost $35,435. Residual value $21,601, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,964. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN610957_lease", "type": "lease", "label": "Lease", "headline": {"value": 406, "unit": "per_month", "display": "$406/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34840.0, "selling_price": 34840.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 405.91, "net_cap_cost": 32436.0, "residual_value": 21600.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 405.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3564.91}, "total_of_payments": 14616, "total_of_payments_unrounded": 14612.76}, "disclosure": "Estimated lease payment for stock #7MMVABBL5TN610957, VIN 7MMVABBL5TN610957. $406 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,565, made up of $406 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,840. Lease selling price $34,840. Net capitalized cost $32,436. Residual value $21,601, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,616. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 193}}, {"vin": "JM1BPBNY5T1873658", "title": "2026 Mazda MAZDA3 Hatchback 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "MAZDA3 Hatchback", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 36858.0, "msrp": 39350.0, "sale_price": 36858.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "HATCHBACK", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "NRMD262829", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY5T1873658_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Premium Plus", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39350.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny5t1873658/2026-mazda-mazda3-hatchback-hatchback", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny5t1873658/2026-mazda-mazda3-hatchback-hatchback", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPBNY5T1873658.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY5T1873658.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY5T1873658.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny5t1873658/2026-mazda-mazda3-hatchback-hatchback", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,492. This offer applies to Stock #NRMD262829, VIN JM1BPBNY5T1873658. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,350. Advertised price: $36,858. Savings: $2,492, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,350"}, {"label": "Advertised price", "value": "$36,858"}, {"label": "Savings", "value": "$2,492, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,492", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36858.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPBNY5T1873658_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36858.0, "price_incl_doc": 36858.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 747.85, "amount_financed": 39161.63, "sales_tax": 2303.63, "total_of_payments": 44871.11, "finance_charge": 5709.48, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262829, VIN JM1BPBNY5T1873658. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,858, before any dealer documentation fee. Amount financed $39,162, including $2,304 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,871. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY5T1873658_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36858.0, "price_incl_doc": 36858.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.84, "amount_financed": 39161.63, "sales_tax": 2303.63, "total_of_payments": 46716.23, "finance_charge": 7554.6, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262829, VIN JM1BPBNY5T1873658. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,858, before any dealer documentation fee. Amount financed $39,162, including $2,304 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,716. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY5T1873658_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36858.0, "price_incl_doc": 36858.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.34, "amount_financed": 39161.63, "sales_tax": 2303.63, "total_of_payments": 48832.44, "finance_charge": 9670.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262829, VIN JM1BPBNY5T1873658. $581 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,858, before any dealer documentation fee. Amount financed $39,162, including $2,304 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,832. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY5T1873658_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39350.0, "selling_price": 36858.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.91, "net_cap_cost": 37453.0, "residual_value": 24397.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.91, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.91}, "total_of_payments": 17424, "total_of_payments_unrounded": 17420.76}, "disclosure": "Estimated lease payment for stock #NRMD262829, VIN JM1BPBNY5T1873658. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $39,350. Lease selling price $36,858. Net capitalized cost $37,453. Residual value $24,397, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY5T1873658_lease", "type": "lease", "label": "Lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39350.0, "selling_price": 36858.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.61, "net_cap_cost": 34454.0, "residual_value": 24397.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.61, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3549.61}, "total_of_payments": 14076, "total_of_payments_unrounded": 14061.96}, "disclosure": "Estimated lease payment for stock #NRMD262829, VIN JM1BPBNY5T1873658. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,350. Lease selling price $36,858. Net capitalized cost $34,454. Residual value $24,397, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 194}}, {"vin": "7MMVAAEW0TN183770", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42965.0, "msrp": 42965.0, "sale_price": 42965.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAAEW0TN183770", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW0TN183770_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42965.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew0tn183770/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew0tn183770/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW0TN183770.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW0TN183770.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW0TN183770.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew0tn183770/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. Advertised price: $42,965. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,965"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42965.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW0TN183770_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 872, "unit": "per_month", "display": "$872/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42965.0, "price_incl_doc": 42965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 871.76, "amount_financed": 45650.31, "sales_tax": 2685.31, "total_of_payments": 52305.8, "finance_charge": 6655.49, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. $872 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,965, before any dealer documentation fee. Amount financed $45,650, including $2,685 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,306. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW0TN183770_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 756, "unit": "per_month", "display": "$756/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42965.0, "price_incl_doc": 42965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 756.34, "amount_financed": 45650.31, "sales_tax": 2685.31, "total_of_payments": 54456.62, "finance_charge": 8806.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. $756 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,965, before any dealer documentation fee. Amount financed $45,650, including $2,685 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,457. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW0TN183770_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 678, "unit": "per_month", "display": "$678/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42965.0, "price_incl_doc": 42965.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 677.66, "amount_financed": 45650.31, "sales_tax": 2685.31, "total_of_payments": 56923.47, "finance_charge": 11273.16, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. $678 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,965, before any dealer documentation fee. Amount financed $45,650, including $2,685 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,923. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW0TN183770_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42965.0, "selling_price": 42965.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 611.3, "net_cap_cost": 43560.0, "residual_value": 26638.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 611.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 771.3}, "total_of_payments": 21996, "total_of_payments_unrounded": 22006.8}, "disclosure": "Estimated lease payment for stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. $611 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $771, made up of $611 first payment, $60 title, $100 registration. MSRP $42,965. Lease selling price $42,965. Net capitalized cost $43,560. Residual value $26,638, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,996. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW0TN183770_lease", "type": "lease", "label": "Lease", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42965.0, "selling_price": 42965.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.01, "net_cap_cost": 40561.0, "residual_value": 26638.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3677.01}, "total_of_payments": 18648, "total_of_payments_unrounded": 18648.36}, "disclosure": "Estimated lease payment for stock #7MMVAAEW0TN183770, VIN 7MMVAAEW0TN183770. $518 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,677, made up of $518 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,965. Lease selling price $42,965. Net capitalized cost $40,561. Residual value $26,638, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,648. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 208}}, {"vin": "3MVDMBEY5TM138620", "title": "2026 Mazda CX-30 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus Package", "condition": "new", "price": 38546.0, "msrp": 40705.0, "sale_price": 38546.0, "currency": "USD", "mileage": 7, "exterior_color": "Machine Gray Metallic", "interior_color": "Black/Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": 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"unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,159. This offer applies to Stock #MD262613, VIN 3MVDMBEY5TM138620. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,705. Advertised price: $38,546. Savings: $2,159, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,705"}, {"label": "Advertised price", "value": "$38,546"}, {"label": "Savings", "value": "$2,159, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,159", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBEY5TM138620_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 716, "unit": "per_month", "display": "$716/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38546.0, "price_incl_doc": 38546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.06, "amount_financed": 40955.13, "sales_tax": 2409.13, "total_of_payments": 42963.69, "finance_charge": 2008.56, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262613, VIN 3MVDMBEY5TM138620. $716 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $38,546, before any dealer documentation fee. Amount financed $40,955, including $2,409 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $42,964. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY5TM138620_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38546.0, "price_incl_doc": 38546.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.96, "amount_financed": 40955.13, "sales_tax": 2409.13, "total_of_payments": 51068.84, "finance_charge": 10113.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262613, VIN 3MVDMBEY5TM138620. $608 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,546, before any dealer documentation fee. Amount financed $40,955, including $2,409 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,069. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY5TM138620_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 513, "unit": "per_month", "display": "$513/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40705.0, "selling_price": 38546.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 512.96, "net_cap_cost": 39141.0, "residual_value": 25237.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 512.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 672.96}, "total_of_payments": 18468, "total_of_payments_unrounded": 18466.56}, "disclosure": "Estimated lease payment for stock #MD262613, VIN 3MVDMBEY5TM138620. $513 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $673, made up of $513 first payment, $60 title, $100 registration. MSRP $40,705. Lease selling price $38,546. Net capitalized cost $39,141. Residual value $25,237, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,468. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY5TM138620_lease", "type": "lease", "label": "Lease", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40705.0, "selling_price": 38546.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 419.67, "net_cap_cost": 36142.0, "residual_value": 25237.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 419.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3578.67}, "total_of_payments": 15120, "total_of_payments_unrounded": 15108.12}, "disclosure": "Estimated lease payment for stock #MD262613, VIN 3MVDMBEY5TM138620. $420 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,579, made up of $420 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,705. Lease selling price $38,546. Net capitalized cost $36,142. Residual value $25,237, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,120. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 202}}, {"vin": "JM1BPABL0T1895103", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27495.0, "msrp": 27495.0, "sale_price": 27495.0, "currency": "USD", "mileage": null, "exterior_color": "Ceramic Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL0T1895103", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1895103_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27495.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1895103/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1895103/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL0T1895103.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL0T1895103.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL0T1895103.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1895103/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. Advertised price: $27,495. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,495"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27495.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL0T1895103_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27495.0, "price_incl_doc": 27495.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.88, "amount_financed": 29213.44, "sales_tax": 1718.44, "total_of_payments": 33472.55, "finance_charge": 4259.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. $558 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,495, before any dealer documentation fee. Amount financed $29,213, including $1,718 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,473. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1895103_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27495.0, "price_incl_doc": 27495.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.01, "amount_financed": 29213.44, "sales_tax": 1718.44, "total_of_payments": 34848.95, "finance_charge": 5635.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. $484 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,495, before any dealer documentation fee. Amount financed $29,213, including $1,718 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,849. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1895103_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27495.0, "price_incl_doc": 27495.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 433.66, "amount_financed": 29213.44, "sales_tax": 1718.44, "total_of_payments": 36427.58, "finance_charge": 7214.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. $434 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,495, before any dealer documentation fee. Amount financed $29,213, including $1,718 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,428. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1895103_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27495.0, "selling_price": 27495.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 397.86, "net_cap_cost": 28090.0, "residual_value": 17046.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 397.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 557.86}, "total_of_payments": 14328, "total_of_payments_unrounded": 14322.96}, "disclosure": "Estimated lease payment for stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. $398 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $558, made up of $398 first payment, $60 title, $100 registration. MSRP $27,495. Lease selling price $27,495. Net capitalized cost $28,090. Residual value $17,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1895103_lease", "type": "lease", "label": "Lease", "headline": {"value": 305, "unit": "per_month", "display": "$305/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27495.0, "selling_price": 27495.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 304.57, "net_cap_cost": 25091.0, "residual_value": 17046.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 304.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3463.57}, "total_of_payments": 10980, "total_of_payments_unrounded": 10964.52}, "disclosure": "Estimated lease payment for stock #JM1BPABL0T1895103, VIN JM1BPABL0T1895103. $305 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,464, made up of $305 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,495. Lease selling price $27,495. Net capitalized cost $25,091. Residual value $17,047, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,980. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 201}}, {"vin": "JM3KMBHA6T0158974", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33177.0, "msrp": 34100.0, "sale_price": 33177.0, "currency": "USD", "mileage": 7, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34100.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha6t0158974/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha6t0158974/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA6T0158974.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA6T0158974.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA6T0158974.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha6t0158974/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $923. This offer applies to Stock #MD262873, VIN JM3KMBHA6T0158974. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,100. Advertised price: $33,177. Savings: $923, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,100"}, {"label": "Advertised price", "value": "$33,177"}, {"label": "Savings", "value": "$923, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $923", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33177.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA6T0158974_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33177.0, "price_incl_doc": 33177.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.16, "amount_financed": 35250.56, "sales_tax": 2073.56, "total_of_payments": 40389.84, "finance_charge": 5139.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262873, VIN JM3KMBHA6T0158974. $673 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,177, before any dealer documentation fee. Amount financed $35,251, including $2,074 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,390. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA6T0158974_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33177.0, "price_incl_doc": 33177.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 584.04, "amount_financed": 35250.56, "sales_tax": 2073.56, "total_of_payments": 42050.68, "finance_charge": 6800.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262873, VIN JM3KMBHA6T0158974. $584 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,177, before any dealer documentation fee. Amount financed $35,251, including $2,074 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,051. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA6T0158974_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33177.0, "price_incl_doc": 33177.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.28, "amount_financed": 35250.56, "sales_tax": 2073.56, "total_of_payments": 43955.55, "finance_charge": 8704.99, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262873, VIN JM3KMBHA6T0158974. $523 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,177, before any dealer documentation fee. Amount financed $35,251, including $2,074 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,956. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA6T0158974_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34100.0, "selling_price": 33177.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.28, "net_cap_cost": 33772.0, "residual_value": 21142.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 620.28}, "total_of_payments": 16560, "total_of_payments_unrounded": 16570.08}, "disclosure": "Estimated lease payment for stock #MD262873, VIN JM3KMBHA6T0158974. $460 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $620, made up of $460 first payment, $60 title, $100 registration. MSRP $34,100. Lease selling price $33,177. Net capitalized cost $33,772. Residual value $21,142, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA6T0158974_lease", "type": "lease", "label": "Lease", "headline": {"value": 367, "unit": "per_month", "display": "$367/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34100.0, "selling_price": 33177.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 366.99, "net_cap_cost": 30773.0, "residual_value": 21142.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 366.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3525.99}, "total_of_payments": 13212, "total_of_payments_unrounded": 13211.64}, "disclosure": "Estimated lease payment for stock #MD262873, VIN JM3KMBHA6T0158974. $367 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,526, made up of $367 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,100. Lease selling price $33,177. Net capitalized cost $30,773. Residual value $21,142, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,212. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 202}}, {"vin": "5NPEJ4J2XMH109200", "title": "2021 Hyundai Sonata SEL Plus", "year": 2021, "make": "Hyundai", "model": "Sonata", "trim": "SEL Plus", "decoded_trim": "SEL Plus", "condition": "used", "price": 17288.0, "msrp": 16875.0, "sale_price": 16355.0, "currency": "USD", "mileage": 96318, "exterior_color": "Quartz White", "interior_color": "Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 1.6 L/98", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "HD260794A", "stock_status": "Available", "availability": "In Stock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD260794A, VIN 5NPEJ4J2XMH109200. Advertised price: $17,288. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,288"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17288.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NPEJ4J2XMH109200_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 431, "unit": "per_month", "display": "$431/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17288.0, "price_incl_doc": 17288.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 431.3, "amount_financed": 18368.5, "sales_tax": 1080.5, "total_of_payments": 20702.43, "finance_charge": 2333.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260794A, VIN 5NPEJ4J2XMH109200. $431 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,288, before any dealer documentation fee. Amount financed $18,368, including $1,080 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,702. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NPEJ4J2XMH109200_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 359, "unit": "per_month", "display": "$359/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17288.0, "price_incl_doc": 17288.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 359.31, "amount_financed": 18368.5, "sales_tax": 1080.5, "total_of_payments": 21558.89, "finance_charge": 3190.39, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260794A, VIN 5NPEJ4J2XMH109200. $359 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,288, before any dealer documentation fee. Amount financed $18,368, including $1,080 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,559. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NPEJ4J2XMH109200_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 313, "unit": "per_month", "display": "$313/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17288.0, "price_incl_doc": 17288.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 313.08, "amount_financed": 18368.5, "sales_tax": 1080.5, "total_of_payments": 22541.51, "finance_charge": 4173.01, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260794A, VIN 5NPEJ4J2XMH109200. $313 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,288, before any dealer documentation fee. Amount financed $18,368, including $1,080 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,542. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha7t0174073/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. Advertised price: $36,415. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,415"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36415.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA7T0174073_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 739, "unit": "per_month", "display": "$739/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36415.0, "price_incl_doc": 36415.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.86, "amount_financed": 38690.94, "sales_tax": 2275.94, "total_of_payments": 44331.8, "finance_charge": 5640.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. $739 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,415, before any dealer documentation fee. Amount financed $38,691, including $2,276 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,332. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0174073_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36415.0, "price_incl_doc": 36415.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.04, "amount_financed": 38690.94, "sales_tax": 2275.94, "total_of_payments": 46154.74, "finance_charge": 7463.8, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. $641 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,415, before any dealer documentation fee. Amount financed $38,691, including $2,276 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,155. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0174073_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36415.0, "price_incl_doc": 36415.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 574.35, "amount_financed": 38690.94, "sales_tax": 2275.94, "total_of_payments": 48245.51, "finance_charge": 9554.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,415, before any dealer documentation fee. Amount financed $38,691, including $2,276 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,246. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0174073_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36415.0, "selling_price": 36415.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 520.93, "net_cap_cost": 37010.0, "residual_value": 22577.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 680.93}, "total_of_payments": 18756, "total_of_payments_unrounded": 18753.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. $521 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $681, made up of $521 first payment, $60 title, $100 registration. MSRP $36,415. Lease selling price $36,415. Net capitalized cost $37,010. Residual value $22,577, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0174073_lease", "type": "lease", "label": "Lease", "headline": {"value": 428, "unit": "per_month", "display": "$428/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36415.0, "selling_price": 36415.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.64, "net_cap_cost": 34011.0, "residual_value": 22577.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.64}, "total_of_payments": 15408, "total_of_payments_unrounded": 15395.04}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0174073, VIN JM3KMCHA7T0174073. $428 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,587, made up of $428 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,415. Lease selling price $36,415. Net capitalized cost $34,011. Residual value $22,577, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,408. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21484.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4HJWEG6HL591910_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 536, "unit": "per_month", "display": "$536/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21484.0, "price_incl_doc": 21484.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.98, "amount_financed": 22826.75, "sales_tax": 1342.75, "total_of_payments": 25727.15, "finance_charge": 2900.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0911, VIN 1C4HJWEG6HL591910. $536 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,484, before any dealer documentation fee. Amount financed $22,827, including $1,343 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,727. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJWEG6HL591910_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 447, "unit": "per_month", "display": "$447/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21484.0, "price_incl_doc": 21484.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 446.52, "amount_financed": 22826.75, "sales_tax": 1342.75, "total_of_payments": 26791.48, "finance_charge": 3964.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0911, VIN 1C4HJWEG6HL591910. $447 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,484, before any dealer documentation fee. Amount financed $22,827, including $1,343 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,791. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,403"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42403.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WP1AA2A58PLB08462_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1058, "unit": "per_month", "display": "$1,058/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42403.0, "price_incl_doc": 42403.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1057.87, "amount_financed": 45053.19, "sales_tax": 2650.19, "total_of_payments": 50777.71, "finance_charge": 5724.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0968, VIN WP1AA2A58PLB08462. $1,058 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,403, before any dealer documentation fee. Amount financed $45,053, including $2,650 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $50,778. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AA2A58PLB08462_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 881, "unit": "per_month", "display": "$881/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42403.0, "price_incl_doc": 42403.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.31, "amount_financed": 45053.19, "sales_tax": 2650.19, "total_of_payments": 52878.38, "finance_charge": 7825.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0968, VIN WP1AA2A58PLB08462. $881 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,403, before any dealer documentation fee. Amount financed $45,053, including $2,650 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,878. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AA2A58PLB08462_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 768, "unit": "per_month", "display": "$768/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42403.0, "price_incl_doc": 42403.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 767.9, "amount_financed": 45053.19, "sales_tax": 2650.19, "total_of_payments": 55288.5, "finance_charge": 10235.31, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0968, VIN WP1AA2A58PLB08462. $768 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $42,403, before any dealer documentation fee. Amount financed $45,053, including $2,650 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $55,288. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 0}}, {"vin": "JM3KMBHA4T0208433", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 34505.0, "msrp": 34505.0, "sale_price": 34505.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA4T0208433", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0208433_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34505.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0208433/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0208433/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA4T0208433.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0208433.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0208433.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0208433/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. Advertised price: $34,505. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,505"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34505.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA4T0208433_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 700, "unit": "per_month", "display": "$700/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34505.0, "price_incl_doc": 34505.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 700.11, "amount_financed": 36661.56, "sales_tax": 2156.56, "total_of_payments": 42006.55, "finance_charge": 5344.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. $700 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,505, before any dealer documentation fee. Amount financed $36,662, including $2,157 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,007. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0208433_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 607, "unit": "per_month", "display": "$607/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34505.0, "price_incl_doc": 34505.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.41, "amount_financed": 36661.56, "sales_tax": 2156.56, "total_of_payments": 43733.87, "finance_charge": 7072.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. $607 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,505, before any dealer documentation fee. Amount financed $36,662, including $2,157 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,734. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0208433_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34505.0, "price_incl_doc": 34505.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.23, "amount_financed": 36661.56, "sales_tax": 2156.56, "total_of_payments": 45714.99, "finance_charge": 9053.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. $544 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,505, before any dealer documentation fee. Amount financed $36,662, including $2,157 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,715. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0208433_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34505.0, "selling_price": 34505.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.58, "net_cap_cost": 35100.0, "residual_value": 21393.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.58, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 654.58}, "total_of_payments": 17820, "total_of_payments_unrounded": 17804.88}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. $495 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $655, made up of $495 first payment, $60 title, $100 registration. MSRP $34,505. Lease selling price $34,505. Net capitalized cost $35,100. Residual value $21,393, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0208433_lease", "type": "lease", "label": "Lease", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34505.0, "selling_price": 34505.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.29, "net_cap_cost": 32101.0, "residual_value": 21393.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.29, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3560.29}, "total_of_payments": 14436, "total_of_payments_unrounded": 14446.44}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0208433, VIN JM3KMBHA4T0208433. $401 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,560, made up of $401 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,505. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 205}}, {"vin": "5NMP2DG1XTH106247", "title": "2026 Hyundai Santa Fe Hybrid SEL", "year": 2026, "make": "Hyundai", "model": "Santa Fe Hybrid", "trim": "SEL", "decoded_trim": "SEL", "condition": "used", "price": 39383.0, "msrp": 38970.0, "sale_price": 39273.0, "currency": "USD", "mileage": 618, "exterior_color": "Rockwood Green", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 1.6 L/98", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic w/OD", "mpg_city": 35, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260437", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/d95e31cf95fb4c748713da3f2b1f7f62.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/d95e31cf95fb4c748713da3f2b1f7f62.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bc2c8258f10f4778a5b3f11989bcb6fc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd6b8b4c03d942719114ccbc3baee3d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4acca932f4474f4793a6f316ad3a6cfe.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3c4f970a79e4852bd0a1a525754deba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53849b3a1e084d30a889764d2a0ed2b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2f0b5d27fe0344b2b6903a1ae00403af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3fe15d5198c54f02a746d00408abe1d2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d9152fc68a1748158b239f3d95b606a9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/729c62f5818c40cab9be36cf6c43eab0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38e02b9def8a4ca080a1bfa28e2a5747.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd01930b927342cdac643f57193026b5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d115e43ea324b528bead4372eaa2f24.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8052b0d8882f4dbf8843c1f5f49e3515.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3f99ea04fa7e415d8feddd029c9030d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3942eb220c2c46f492c5a5c4fac2338b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c395ff03647e4c1fa8df0029f387afc8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/30b7faa916b44f918a6d0094698443ef.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/da04be5ab4734f9db54ae84e8cdbbf25.jpg"], "vin_decode": {"make": "Hyundai", "model": "Santa Fe", "year": 2026, "trim": "SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 38970.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMP2DG1XTH106247.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg1xth106247/2026-hyundai-santa-fe-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg1xth106247/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMP2DG1XTH106247.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG1XTH106247.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG1XTH106247.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg1xth106247/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #LHD260437, VIN 5NMP2DG1XTH106247. Advertised price: $39,383. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,383"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39383.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP2DG1XTH106247_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 983, "unit": "per_month", "display": "$983/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39383.0, "price_incl_doc": 39383.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 982.53, "amount_financed": 41844.44, "sales_tax": 2461.44, "total_of_payments": 47161.25, "finance_charge": 5316.81, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260437, VIN 5NMP2DG1XTH106247. $983 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,383, before any dealer documentation fee. Amount financed $41,844, including $2,461 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,161. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP2DG1XTH106247_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 819, "unit": "per_month", "display": "$819/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39383.0, "price_incl_doc": 39383.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 818.54, "amount_financed": 41844.44, "sales_tax": 2461.44, "total_of_payments": 49112.31, "finance_charge": 7267.87, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260437, VIN 5NMP2DG1XTH106247. $819 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,383, before any dealer documentation fee. Amount financed $41,844, including $2,461 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,112. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP2DG1XTH106247_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 713, "unit": "per_month", "display": "$713/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39383.0, "price_incl_doc": 39383.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 713.21, "amount_financed": 41844.44, "sales_tax": 2461.44, "total_of_payments": 51350.78, "finance_charge": 9506.34, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260437, VIN 5NMP2DG1XTH106247. $713 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,383, before any dealer documentation fee. Amount financed $41,844, including $2,461 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,351. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31536.0, "price_incl_doc": 31536.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.45, "amount_financed": 33507.0, "sales_tax": 1971.0, "total_of_payments": 39326.76, "finance_charge": 5819.76, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260651A, VIN KM8R34GE8PU577705. $655 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,536, before any dealer documentation fee. Amount financed $33,507, including $1,971 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,327. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8R34GE8PU577705_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 571, "unit": "per_month", "display": "$571/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31536.0, "price_incl_doc": 31536.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.1, "amount_financed": 33507.0, "sales_tax": 1971.0, "total_of_payments": 41119.21, "finance_charge": 7612.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260651A, VIN KM8R34GE8PU577705. $571 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,536, before any dealer documentation fee. Amount financed $33,507, including $1,971 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $41,119. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32353.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL2TN609491_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609491_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32353.0, "price_incl_doc": 32353.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.53, "amount_financed": 34375.06, "sales_tax": 2022.06, "total_of_payments": 41006.29, "finance_charge": 6631.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262919, VIN 7MMVABBL2TN609491. $570 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,353, before any dealer documentation fee. Amount financed $34,375, including $2,022 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,006. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609491_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32353.0, "price_incl_doc": 32353.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 510.28, "amount_financed": 34375.06, "sales_tax": 2022.06, "total_of_payments": 42863.84, "finance_charge": 8488.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262919, VIN 7MMVABBL2TN609491. $510 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,353, before any dealer documentation fee. Amount financed $34,375, including $2,022 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,864. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609491_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 432, "unit": "per_month", "display": "$432/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34230.0, "selling_price": 32353.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 432.4, "net_cap_cost": 32948.0, "residual_value": 21222.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 432.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 592.4}, "total_of_payments": 15552, "total_of_payments_unrounded": 15566.4}, "disclosure": "Estimated lease payment for stock #MD262919, VIN 7MMVABBL2TN609491. $432 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $592, made up of $432 first payment, $60 title, $100 registration. MSRP $34,230. Lease selling price $32,353. Net capitalized cost $32,948. Residual value $21,223, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,552. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609491_lease", "type": "lease", "label": "Lease", "headline": {"value": 339, "unit": "per_month", "display": "$339/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34230.0, "selling_price": 32353.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 339.1, "net_cap_cost": 29949.0, "residual_value": 21222.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 339.1, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3498.1}, "total_of_payments": 12204, "total_of_payments_unrounded": 12207.6}, "disclosure": "Estimated lease payment for stock #MD262919, VIN 7MMVABBL2TN609491. $339 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,498, made up of $339 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,230. Lease selling price $32,353. Net capitalized cost $29,949. Residual value $21,223, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,204. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 203}}, {"vin": "JM3KFBDM0J0419412", "title": "2018 Mazda CX-5 Grand Touring", "year": 2018, "make": "Mazda", "model": "CX-5", "trim": "Grand Touring", "decoded_trim": "Grand Touring", "condition": "used", "price": 17638.0, "msrp": 17225.0, "sale_price": 17535.0, "currency": "USD", "mileage": 99509, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262693XA", "stock_status": "Available", "availability": "In Stock", 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live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm0j0419412/2018-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBDM0J0419412.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM0J0419412.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM0J0419412.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm0j0419412/2018-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262693XA, VIN JM3KFBDM0J0419412. Advertised price: $17,638. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,638"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17638.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBDM0J0419412_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 440, "unit": "per_month", "display": "$440/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17638.0, "price_incl_doc": 17638.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 440.03, "amount_financed": 18740.38, "sales_tax": 1102.38, "total_of_payments": 21121.56, "finance_charge": 2381.18, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262693XA, VIN JM3KFBDM0J0419412. $440 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,638, before any dealer documentation fee. Amount financed $18,740, including $1,102 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,122. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM0J0419412_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 367, "unit": "per_month", "display": "$367/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17638.0, "price_incl_doc": 17638.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 366.59, "amount_financed": 18740.38, "sales_tax": 1102.38, "total_of_payments": 21995.36, "finance_charge": 3254.98, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262693XA, VIN JM3KFBDM0J0419412. $367 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,638, before any dealer documentation fee. Amount financed $18,740, including $1,102 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,995. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM0J0419412_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 319, "unit": "per_month", "display": "$319/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17638.0, "price_incl_doc": 17638.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 319.41, "amount_financed": 18740.38, "sales_tax": 1102.38, "total_of_payments": 22997.87, "finance_charge": 4257.49, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262693XA, VIN JM3KFBDM0J0419412. $319 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,638, before any dealer documentation fee. Amount financed $18,740, including $1,102 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,998. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "KM8JADD17TU417751", "title": "2026 Hyundai Tucson Hybrid Blue SE", "year": 2026, "make": "Hyundai", "model": "Tucson Hybrid", "trim": "Blue SE", "decoded_trim": "Blue SE", "condition": "used", "price": 33391.0, "msrp": 32978.0, "sale_price": 33393.0, "currency": "USD", "mileage": 24, "exterior_color": "Creamy White Pearl", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 1.6 L/98", "engine_displacement_l": 1.6, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 38, "mpg_hwy": 38, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260266", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 21, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/07b0c4ae83f44ec8b15bf3eedc951f87.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/07b0c4ae83f44ec8b15bf3eedc951f87.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/319b6126e0a9436fb3e4acc9f4752158.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4e8e4e2f7664ad99c0ad160c2f3e5bd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/44d52ef242334889b7c735ebd34672b4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/551ed18d645c4a34822ca655b3fd826d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/944ef986be0c462bbfbb110cbb0f0204.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/34c6a0c7244041a5acd311bee66f16b7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7141d9e5b289414382490ada0a79b3c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7d9593fcfa5d4b998ac6f31f8a6804d5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/56862ba224494e779c82f606313b9c31.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/406c2f5ec8be42b6ad6d1d9196489b9f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e6da8df382b14a589a0fb43a31b54839.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f77568b798ff45688c765a498f2a77e0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/701b4c0667a04fd8968530f0fd0f28ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f757956c6b214aa88dbfacb93190fc9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/79093bab2d4947f291bacbba557f4bba.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/828809e0ee454506a719fd2e7efa4741.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b095e745e9034c099279113adfff9e43.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c666a6acb754bde98423b61898a6678.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/504e33a4058b495984628e1f27ba7f3f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9934df88e8a644c0ba4e683e47900ed9.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "Blue SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L 4-Cylinder", "engine_displacement_l": 1.6, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32978.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KM8JADD17TU417751.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd17tu417751/2026-hyundai-tucson-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd17tu417751/2026-hyundai-tucson-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8JADD17TU417751.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8JADD17TU417751.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8JADD17TU417751.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd17tu417751/2026-hyundai-tucson-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,391"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33391.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8JADD17TU417751_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 833, "unit": "per_month", "display": "$833/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33391.0, "price_incl_doc": 33391.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.04, "amount_financed": 35477.94, "sales_tax": 2086.94, "total_of_payments": 39985.81, "finance_charge": 4507.87, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260266, VIN KM8JADD17TU417751. $833 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,391, before any dealer documentation fee. Amount financed $35,478, including $2,087 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,986. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JADD17TU417751_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 694, "unit": "per_month", "display": "$694/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33391.0, "price_incl_doc": 33391.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.0, "amount_financed": 35477.94, "sales_tax": 2086.94, "total_of_payments": 41640.03, "finance_charge": 6162.09, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260266, VIN KM8JADD17TU417751. $694 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,391, before any dealer documentation fee. Amount financed $35,478, including $2,087 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,640. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JADD17TU417751_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,667. This offer applies to Stock #MD262577, VIN JM3KKDHC6T1377141. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $57,300. Advertised price: $52,633. Savings: $4,667, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$57,300"}, {"label": "Advertised price", "value": "$52,633"}, {"label": "Savings", "value": "$4,667, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,667", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52633.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC6T1377141_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 954, "unit": "per_month", "display": "$954/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52633.0, "price_incl_doc": 52633.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 953.52, "amount_financed": 55922.56, "sales_tax": 3289.56, "total_of_payments": 57211.22, "finance_charge": 1288.66, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262577, VIN JM3KKDHC6T1377141. $954 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,633, before any dealer documentation fee. Amount financed $55,923, including $3,290 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $57,211. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC6T1377141_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 830, "unit": "per_month", "display": "$830/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52633.0, "price_incl_doc": 52633.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.15, "amount_financed": 55922.56, "sales_tax": 3289.56, "total_of_payments": 69732.41, "finance_charge": 13809.85, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262577, VIN JM3KKDHC6T1377141. $830 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,633, before any dealer documentation fee. Amount financed $55,923, including $3,290 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,732. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC6T1377141_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57300.0, "selling_price": 52633.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 663.91, "net_cap_cost": 53228.0, "residual_value": 35526.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 663.91, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 823.91}, "total_of_payments": 23904, "total_of_payments_unrounded": 23900.76}, "disclosure": "Estimated lease payment for stock #MD262577, VIN JM3KKDHC6T1377141. $664 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $824, made up of $664 first payment, $60 title, $100 registration. MSRP $57,300. Lease selling price $52,633. Net capitalized cost $53,228. Residual value $35,526, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,904. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC6T1377141_lease", "type": "lease", "label": "Lease", "headline": {"value": 571, "unit": "per_month", "display": "$571/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57300.0, "selling_price": 52633.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 570.61, "net_cap_cost": 50229.0, "residual_value": 35526.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 570.61, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3729.61}, "total_of_payments": 20556, "total_of_payments_unrounded": 20541.96}, "disclosure": "Estimated lease payment for stock #MD262577, VIN JM3KKDHC6T1377141. $571 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,730, made up of $571 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,300. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 206}}, {"vin": "JM3KKCHA0T1384322", "title": "2026 Mazda CX-90 Plug-In Hybrid Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90 Plug-In Hybrid", "trim": "Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 57630.0, "msrp": 57630.0, "sale_price": 51087.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MD262684", "stock_status": "Available", 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkcha0t1384322/2026-mazda-cx-90-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHA0T1384322.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHA0T1384322.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHA0T1384322.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkcha0t1384322/2026-mazda-cx-90-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262684, VIN JM3KKCHA0T1384322. Advertised price: $57,630. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$57,630"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 57630.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHA0T1384322_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1169, "unit": "per_month", "display": "$1,169/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57630.0, "price_incl_doc": 57630.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1169.32, "amount_financed": 61231.88, "sales_tax": 3601.88, "total_of_payments": 70159.05, "finance_charge": 8927.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262684, VIN JM3KKCHA0T1384322. $1,169 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $57,630, before any dealer documentation fee. Amount financed $61,232, including $3,602 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $70,159. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA0T1384322_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1014, "unit": "per_month", "display": "$1,014/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57630.0, "price_incl_doc": 57630.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1014.5, "amount_financed": 61231.88, "sales_tax": 3601.88, "total_of_payments": 73044.0, "finance_charge": 11812.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262684, VIN JM3KKCHA0T1384322. $1,014 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $57,630, before any dealer documentation fee. Amount financed $61,232, including $3,602 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $73,044. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA0T1384322_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 909, "unit": "per_month", "display": "$909/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 57630.0, "price_incl_doc": 57630.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 908.96, "amount_financed": 61231.88, "sales_tax": 3601.88, "total_of_payments": 76352.85, "finance_charge": 15120.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262684, VIN JM3KKCHA0T1384322. $909 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $57,630, before any dealer documentation fee. Amount financed $61,232, including $3,602 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $76,353. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA0T1384322_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 814, "unit": "per_month", "display": "$814/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57630.0, "selling_price": 57630.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 813.64, "net_cap_cost": 58225.0, "residual_value": 35730.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 813.64, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 973.64}, "total_of_payments": 29304, "total_of_payments_unrounded": 29291.04}, "disclosure": "Estimated lease payment for stock #MD262684, VIN JM3KKCHA0T1384322. $814 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $974, made up of $814 first payment, $60 title, $100 registration. MSRP $57,630. Lease selling price $57,630. Net capitalized cost $58,225. Residual value $35,731, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $29,304. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA0T1384322_lease", "type": "lease", "label": "Lease", "headline": {"value": 720, "unit": "per_month", "display": "$720/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57630.0, "selling_price": 57630.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 720.35, "net_cap_cost": 55226.0, "residual_value": 35730.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 720.35, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3879.35}, "total_of_payments": 25920, "total_of_payments_unrounded": 25932.6}, "disclosure": "Estimated lease payment for stock #MD262684, VIN JM3KKCHA0T1384322. $720 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,879, made up of $720 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,630. Lease selling price $57,630. Net capitalized cost $55,226. Residual value $35,731, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,920. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 36, "elapsed_ms": 220}}, {"vin": "7MMVAABW5TN183817", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37140.0, "msrp": 37140.0, "sale_price": 37140.0, "currency": "USD", "mileage": null, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAABW5TN183817", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW5TN183817_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37140.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw5tn183817/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw5tn183817/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW5TN183817.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW5TN183817.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW5TN183817.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw5tn183817/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. Advertised price: $37,140. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,140"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37140.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW5TN183817_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37140.0, "price_incl_doc": 37140.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.57, "amount_financed": 39461.25, "sales_tax": 2321.25, "total_of_payments": 45214.42, "finance_charge": 5753.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,140, before any dealer documentation fee. Amount financed $39,461, including $2,321 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,214. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW5TN183817_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 654, "unit": "per_month", "display": "$654/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37140.0, "price_incl_doc": 37140.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.8, "amount_financed": 39461.25, "sales_tax": 2321.25, "total_of_payments": 47073.64, "finance_charge": 7612.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,140, before any dealer documentation fee. Amount financed $39,461, including $2,321 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,074. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW5TN183817_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37140.0, "price_incl_doc": 37140.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.79, "amount_financed": 39461.25, "sales_tax": 2321.25, "total_of_payments": 49206.05, "finance_charge": 9744.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,140, before any dealer documentation fee. Amount financed $39,461, including $2,321 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,206. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW5TN183817_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37140.0, "selling_price": 37140.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 530.94, "net_cap_cost": 37735.0, "residual_value": 23026.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 530.94, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 690.94}, "total_of_payments": 19116, "total_of_payments_unrounded": 19113.84}, "disclosure": "Estimated lease payment for stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. $531 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $691, made up of $531 first payment, $60 title, $100 registration. MSRP $37,140. Lease selling price $37,140. Net capitalized cost $37,735. Residual value $23,027, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,116. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW5TN183817_lease", "type": "lease", "label": "Lease", "headline": {"value": 438, "unit": "per_month", "display": "$438/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37140.0, "selling_price": 37140.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 437.64, "net_cap_cost": 34736.0, "residual_value": 23026.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 437.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3596.64}, "total_of_payments": 15768, "total_of_payments_unrounded": 15755.04}, "disclosure": "Estimated lease payment for stock #7MMVAABW5TN183817, VIN 7MMVAABW5TN183817. $438 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,597, made up of $438 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,140. Lease selling price $37,140. Net capitalized cost $34,736. Residual value $23,027, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,768. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 204}}, {"vin": "5N1BT3ABXPC879898", "title": "2023 Nissan Rogue S", "year": 2023, "make": "Nissan", "model": "Rogue", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 21294.0, "msrp": 20881.0, "sale_price": 21248.0, "currency": "USD", "mileage": 35643, "exterior_color": "Gun Metallic", "interior_color": "Charcoal", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39990.0, "price_incl_doc": 39990.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 811.4, "amount_financed": 42489.38, "sales_tax": 2499.38, "total_of_payments": 48684.03, "finance_charge": 6194.65, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262898X, VIN JM3KMEHA0T0160902. $811 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,990, before any dealer documentation fee. Amount financed $42,489, including $2,499 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,684. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0160902_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 704, "unit": "per_month", "display": "$704/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39990.0, "price_incl_doc": 39990.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.97, "amount_financed": 42489.38, "sales_tax": 2499.38, "total_of_payments": 50685.92, "finance_charge": 8196.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262898X, VIN JM3KMEHA0T0160902. $704 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,990, before any dealer documentation fee. Amount financed $42,489, including $2,499 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,686. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0160902_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 631, "unit": "per_month", "display": "$631/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39990.0, "price_incl_doc": 39990.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.74, "amount_financed": 42489.38, "sales_tax": 2499.38, "total_of_payments": 52981.96, "finance_charge": 10492.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262898X, VIN JM3KMEHA0T0160902. $631 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,990, before any dealer documentation fee. Amount financed $42,489, including $2,499 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,982. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0160902_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41085.0, "selling_price": 39990.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 551.3, "net_cap_cost": 40585.0, "residual_value": 25472.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 551.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 711.3}, "total_of_payments": 19836, "total_of_payments_unrounded": 19846.8}, "disclosure": "Estimated lease payment for stock #MD262898X, VIN JM3KMEHA0T0160902. $551 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $711, made up of $551 first payment, $60 title, $100 registration. MSRP $41,085. Lease selling price $39,990. Net capitalized cost $40,585. Residual value $25,473, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,836. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0160902_lease", "type": "lease", "label": "Lease", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41085.0, "selling_price": 39990.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 458.01, "net_cap_cost": 37586.0, "residual_value": 25472.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 458.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3617.01}, "total_of_payments": 16488, "total_of_payments_unrounded": 16488.36}, "disclosure": "Estimated lease payment for stock #MD262898X, VIN JM3KMEHA0T0160902. $458 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,617, made up of $458 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,085. Lease selling price $39,990. Net capitalized cost $37,586. Residual value $25,473, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,488. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 204}}, {"vin": "7MMVABAL0TN603447", "title": "2026 Mazda CX-50 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 32215.0, "msrp": 32215.0, "sale_price": 30357.0, "currency": "USD", "mileage": 150, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262612XX", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabal0tn603447/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262612XX, VIN 7MMVABAL0TN603447. Advertised price: $32,215. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,215"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32215.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABAL0TN603447_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 654, "unit": "per_month", "display": "$654/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32215.0, "price_incl_doc": 32215.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.65, "amount_financed": 34228.44, "sales_tax": 2013.44, "total_of_payments": 39218.7, "finance_charge": 4990.26, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262612XX, VIN 7MMVABAL0TN603447. $654 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,215, before any dealer documentation fee. Amount financed $34,228, including $2,013 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,219. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL0TN603447_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32215.0, "price_incl_doc": 32215.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.1, "amount_financed": 34228.44, "sales_tax": 2013.44, "total_of_payments": 40831.38, "finance_charge": 6602.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262612XX, VIN 7MMVABAL0TN603447. $567 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,215, before any dealer documentation fee. Amount financed $34,228, including $2,013 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,831. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL0TN603447_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 508, "unit": "per_month", "display": "$508/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32215.0, "price_incl_doc": 32215.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 508.11, "amount_financed": 34228.44, "sales_tax": 2013.44, "total_of_payments": 42681.02, "finance_charge": 8452.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262612XX, VIN 7MMVABAL0TN603447. $508 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,215, before any dealer documentation fee. Amount financed $34,228, including $2,013 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,681. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL0TN603447_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32215.0, "selling_price": 32215.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.98, "net_cap_cost": 32810.0, "residual_value": 19973.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.98, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 622.98}, "total_of_payments": 16668, "total_of_payments_unrounded": 16667.28}, "disclosure": "Estimated lease payment for stock #MD262612XX, VIN 7MMVABAL0TN603447. $463 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $623, made up of $463 first payment, $60 title, $100 registration. MSRP $32,215. Lease selling price $32,215. Net capitalized cost $32,810. Residual value $19,973, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,668. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABAL0TN603447_lease", "type": "lease", "label": "Lease", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32215.0, "selling_price": 32215.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 369.69, "net_cap_cost": 29811.0, "residual_value": 19973.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 369.69, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3528.69}, "total_of_payments": 13320, "total_of_payments_unrounded": 13308.84}, "disclosure": "Estimated lease payment for stock #MD262612XX, VIN 7MMVABAL0TN603447. $370 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,529, made up of $370 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,215. Lease selling price $32,215. Net capitalized cost $29,811. Residual value $19,973, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 212}}, {"vin": "JM3KKEHA8T1355159", "title": "2026 Mazda CX-90 Plug-In Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90 Plug-In Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 55031.0, "msrp": 61800.0, "sale_price": 55031.0, "currency": "USD", "mileage": 13, "exterior_color": "Artisan Red Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,769. This offer applies to Stock #MD262345, VIN JM3KKEHA8T1355159. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $61,800. Advertised price: $55,031. Savings: $6,769, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$61,800"}, {"label": "Advertised price", "value": "$55,031"}, {"label": "Savings", "value": "$6,769, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,769", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55031.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHA8T1355159_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1117, "unit": "per_month", "display": "$1,117/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55031.0, "price_incl_doc": 55031.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1116.58, "amount_financed": 58470.44, "sales_tax": 3439.44, "total_of_payments": 66995.01, "finance_charge": 8524.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262345, VIN JM3KKEHA8T1355159. $1,117 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $55,031, before any dealer documentation fee. Amount financed $58,470, including $3,439 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $66,995. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA8T1355159_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 969, "unit": "per_month", "display": "$969/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55031.0, "price_incl_doc": 55031.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 968.75, "amount_financed": 58470.44, "sales_tax": 3439.44, "total_of_payments": 69749.86, "finance_charge": 11279.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262345, VIN JM3KKEHA8T1355159. $969 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $55,031, before any dealer documentation fee. Amount financed $58,470, including $3,439 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $69,750. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA8T1355159_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 868, "unit": "per_month", "display": "$868/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55031.0, "price_incl_doc": 55031.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 867.97, "amount_financed": 58470.44, "sales_tax": 3439.44, "total_of_payments": 72909.48, "finance_charge": 14439.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262345, VIN JM3KKEHA8T1355159. $868 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,031, before any dealer documentation fee. Amount financed $58,470, including $3,439 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $72,909. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA8T1355159_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 661, "unit": "per_month", "display": "$661/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61800.0, "selling_price": 55031.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 660.61, "net_cap_cost": 55626.0, "residual_value": 38316.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 660.61, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 820.61}, "total_of_payments": 23796, "total_of_payments_unrounded": 23781.96}, "disclosure": "Estimated lease payment for stock #MD262345, VIN JM3KKEHA8T1355159. $661 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $821, made up of $661 first payment, $60 title, $100 registration. MSRP $61,800. Lease selling price $55,031. Net capitalized cost $55,626. Residual value $38,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,796. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA8T1355159_lease", "type": "lease", "label": "Lease", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61800.0, "selling_price": 55031.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 567.31, "net_cap_cost": 52627.0, "residual_value": 38316.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 567.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3726.31}, "total_of_payments": 20412, "total_of_payments_unrounded": 20423.16}, "disclosure": "Estimated lease payment for stock #MD262345, VIN JM3KKEHA8T1355159. $567 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,726, made up of $567 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $61,800. Lease selling price $55,031. Net capitalized cost $52,627. Residual value $38,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,412. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 214}}, {"vin": "4S4BTANC4R3263799", "title": "2024 Subaru Outback Limited", "year": 2024, "make": "Subaru", "model": "Outback", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 30087.0, "msrp": 29674.0, "sale_price": 30673.0, "currency": "USD", "mileage": 15461, "exterior_color": "Ice Silver Metallic", "interior_color": "Slate Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded H-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed CVT w/OD", "mpg_city": 26, "mpg_hwy": 32, "range_miles": null, "battery_kwh": null, "stock_number": "GD260350A", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30087.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4S4BTANC4R3263799_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 751, "unit": "per_month", "display": "$751/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30087.0, "price_incl_doc": 30087.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.61, "amount_financed": 31967.44, "sales_tax": 1880.44, "total_of_payments": 36029.27, "finance_charge": 4061.83, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260350A, VIN 4S4BTANC4R3263799. $751 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,087, before any dealer documentation fee. Amount financed $31,967, including $1,880 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,029. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC4R3263799_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 625, "unit": "per_month", "display": "$625/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30087.0, "price_incl_doc": 30087.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.33, "amount_financed": 31967.44, "sales_tax": 1880.44, "total_of_payments": 37519.8, "finance_charge": 5552.36, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260350A, VIN 4S4BTANC4R3263799. $625 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,087, before any dealer documentation fee. Amount financed $31,967, including $1,880 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,520. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4S4BTANC4R3263799_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30087.0, "price_incl_doc": 30087.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.86, "amount_financed": 31967.44, "sales_tax": 1880.44, "total_of_payments": 39229.89, "finance_charge": 7262.45, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260350A, VIN 4S4BTANC4R3263799. $545 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,087, before any dealer documentation fee. Amount financed $31,967, including $1,880 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,230. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$71,164"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 71164.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5YJSA1E65PF498507_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1775, "unit": "per_month", "display": "$1,775/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 71164.0, "price_incl_doc": 71164.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1775.4, "amount_financed": 75611.75, "sales_tax": 4447.75, "total_of_payments": 85219.08, "finance_charge": 9607.33, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0502, VIN 5YJSA1E65PF498507. $1,775 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $71,164, before any dealer documentation fee. Amount financed $75,612, including $4,448 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $85,219. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5YJSA1E65PF498507_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1479, "unit": "per_month", "display": "$1,479/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 71164.0, "price_incl_doc": 71164.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1479.08, "amount_financed": 75611.75, "sales_tax": 4447.75, "total_of_payments": 88744.59, "finance_charge": 13132.84, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0502, VIN 5YJSA1E65PF498507. $1,479 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $71,164, before any dealer documentation fee. Amount financed $75,612, including $4,448 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $88,745. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5YJSA1E65PF498507_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1289, "unit": "per_month", "display": "$1,289/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 71164.0, "price_incl_doc": 71164.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1288.74, "amount_financed": 75611.75, "sales_tax": 4447.75, "total_of_payments": 92789.44, "finance_charge": 17177.69, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0502, VIN 5YJSA1E65PF498507. $1,289 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $71,164, before any dealer documentation fee. Amount financed $75,612, including $4,448 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $92,789. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 1}}, {"vin": "JM3KJEHD3T1213119", "title": "2026 Mazda CX-70 3.3 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-70", "trim": "3.3 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 52460.0, "msrp": 52460.0, "sale_price": 52460.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KJEHD3T1213119", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJEHD3T1213119_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-70", "year": 2026, "trim": "Premium Plus, S-Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 52460.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjehd3t1213119/2026-mazda-cx-70-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjehd3t1213119/2026-mazda-cx-70-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJEHD3T1213119.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJEHD3T1213119.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJEHD3T1213119.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjehd3t1213119/2026-mazda-cx-70-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KJEHD3T1213119, VIN JM3KJEHD3T1213119. Advertised price: $52,460. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$52,460"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52460.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJEHD3T1213119_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 950, "unit": "per_month", "display": "$950/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52460.0, "price_incl_doc": 52460.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 950.39, "amount_financed": 55738.75, "sales_tax": 3278.75, "total_of_payments": 57023.17, "finance_charge": 1284.42, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJEHD3T1213119, VIN JM3KJEHD3T1213119. $950 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,460, before any dealer documentation fee. Amount financed $55,739, including $3,279 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $57,023. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD3T1213119_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 827, "unit": "per_month", "display": "$827/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52460.0, "price_incl_doc": 52460.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 827.42, "amount_financed": 55738.75, "sales_tax": 3278.75, "total_of_payments": 69503.21, "finance_charge": 13764.46, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJEHD3T1213119, VIN JM3KJEHD3T1213119. $827 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,460, before any dealer documentation fee. Amount financed $55,739, including $3,279 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,503. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD3T1213119_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52460.0, "selling_price": 52460.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 742.31, "net_cap_cost": 53055.0, "residual_value": 32525.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 742.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 902.31}, "total_of_payments": 26712, "total_of_payments_unrounded": 26723.16}, "disclosure": "Estimated lease payment for stock #JM3KJEHD3T1213119, VIN JM3KJEHD3T1213119. $742 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $902, made up of $742 first payment, $60 title, $100 registration. MSRP $52,460. Lease selling price $52,460. Net capitalized cost $53,055. Residual value $32,525, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD3T1213119_lease", "type": "lease", "label": "Lease", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52460.0, "selling_price": 52460.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 649.02, "net_cap_cost": 50056.0, "residual_value": 32525.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 649.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3808.02}, "total_of_payments": 23364, "total_of_payments_unrounded": 23364.72}, "disclosure": "Estimated lease payment for stock #JM3KJEHD3T1213119, VIN JM3KJEHD3T1213119. $649 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,808, made up of $649 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,460. Lease selling price $52,460. Net capitalized cost $50,056. Residual value $32,525, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 202}}, {"vin": "JM3KMCHA2T0177897", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36340.0, "msrp": 36340.0, "sale_price": 36340.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36340.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0177897/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0177897/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA2T0177897.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0177897.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0177897.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0177897/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. Advertised price: $36,340. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,340"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36340.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0177897_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 737, "unit": "per_month", "display": "$737/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36340.0, "price_incl_doc": 36340.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.34, "amount_financed": 38611.25, "sales_tax": 2271.25, "total_of_payments": 44240.49, "finance_charge": 5629.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. $737 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,340, before any dealer documentation fee. Amount financed $38,611, including $2,271 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,240. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0177897_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36340.0, "price_incl_doc": 36340.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 639.72, "amount_financed": 38611.25, "sales_tax": 2271.25, "total_of_payments": 46059.67, "finance_charge": 7448.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. $640 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,340, before any dealer documentation fee. Amount financed $38,611, including $2,271 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,060. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0177897_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36340.0, "price_incl_doc": 36340.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.17, "amount_financed": 38611.25, "sales_tax": 2271.25, "total_of_payments": 48146.15, "finance_charge": 9534.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. $573 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,340, before any dealer documentation fee. Amount financed $38,611, including $2,271 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,146. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0177897_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36340.0, "selling_price": 36340.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 519.9, "net_cap_cost": 36935.0, "residual_value": 22530.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 519.9, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 679.9}, "total_of_payments": 18720, "total_of_payments_unrounded": 18716.4}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. $520 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $680, made up of $520 first payment, $60 title, $100 registration. MSRP $36,340. Lease selling price $36,340. Net capitalized cost $36,935. Residual value $22,531, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0177897_lease", "type": "lease", "label": "Lease", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36340.0, "selling_price": 36340.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 426.61, "net_cap_cost": 33936.0, "residual_value": 22530.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 426.61, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3585.61}, "total_of_payments": 15372, "total_of_payments_unrounded": 15357.96}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0177897, VIN JM3KMCHA2T0177897. $427 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,586, made up of $427 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,340. Lease selling price $36,340. Net capitalized cost $33,936. Residual value $22,531, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,372. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 201}}, {"vin": "7MMVAADW2TN164834", "title": "2026 Mazda CX-50 Hybrid Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 37471.0, "msrp": 39995.0, "sale_price": 37471.0, "currency": "USD", "mileage": 7, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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"https://content.homenetiol.com/2000157/2065512/0x0/2dfadd71356d47d1909f91536cd5af48.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39995.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw2tn164834/2026-mazda-cx-50-hybrid-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw2tn164834/2026-mazda-cx-50-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAADW2TN164834.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW2TN164834.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW2TN164834.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw2tn164834/2026-mazda-cx-50-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,524. This offer applies to Stock #MD262616, VIN 7MMVAADW2TN164834. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,995. Advertised price: $37,471. Savings: $2,524, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,995"}, {"label": "Advertised price", "value": "$37,471"}, {"label": "Savings", "value": "$2,524, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,524", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37471.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAADW2TN164834_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 760, "unit": "per_month", "display": "$760/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37471.0, "price_incl_doc": 37471.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 760.29, "amount_financed": 39812.94, "sales_tax": 2341.94, "total_of_payments": 45617.38, "finance_charge": 5804.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262616, VIN 7MMVAADW2TN164834. $760 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,471, before any dealer documentation fee. Amount financed $39,813, including $2,342 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,617. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW2TN164834_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 660, "unit": "per_month", "display": "$660/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37471.0, "price_incl_doc": 37471.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 659.63, "amount_financed": 39812.94, "sales_tax": 2341.94, "total_of_payments": 47493.18, "finance_charge": 7680.24, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262616, VIN 7MMVAADW2TN164834. $660 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,471, before any dealer documentation fee. Amount financed $39,813, including $2,342 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,493. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW2TN164834_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 591, "unit": "per_month", "display": "$591/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37471.0, "price_incl_doc": 37471.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 591.01, "amount_financed": 39812.94, "sales_tax": 2341.94, "total_of_payments": 49644.59, "finance_charge": 9831.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262616, VIN 7MMVAADW2TN164834. $591 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,471, before any dealer documentation fee. Amount financed $39,813, including $2,342 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,645. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW2TN164834_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39995.0, "selling_price": 37471.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 491.81, "net_cap_cost": 38066.0, "residual_value": 24796.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.81}, "total_of_payments": 17712, "total_of_payments_unrounded": 17705.16}, "disclosure": "Estimated lease payment for stock #MD262616, VIN 7MMVAADW2TN164834. $492 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $652, made up of $492 first payment, $60 title, $100 registration. MSRP $39,995. Lease selling price $37,471. Net capitalized cost $38,066. Residual value $24,797, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW2TN164834_lease", "type": "lease", "label": "Lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39995.0, "selling_price": 37471.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.52, "net_cap_cost": 35067.0, "residual_value": 24796.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.52}, "total_of_payments": 14364, "total_of_payments_unrounded": 14346.72}, "disclosure": "Estimated lease payment for stock #MD262616, VIN 7MMVAADW2TN164834. $399 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,558, made up of $399 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,995. Lease selling price $37,471. Net capitalized cost $35,067. Residual value $24,797, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy3tn491472/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy3tn491472/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABXY3TN491472.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY3TN491472.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY3TN491472.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy3tn491472/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,790. This offer applies to Stock #NRMD262786, VIN 7MMVABXY3TN491472. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $44,115. Advertised price: $41,325. Savings: $2,790, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$44,115"}, {"label": "Advertised price", "value": "$41,325"}, {"label": "Savings", "value": "$2,790, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,790", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41325.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXY3TN491472_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 838, "unit": "per_month", "display": "$838/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 838.49, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 50309.25, "finance_charge": 6401.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262786, VIN 7MMVABXY3TN491472. $838 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,309. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY3TN491472_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 727, "unit": "per_month", "display": "$727/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.47, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 52377.98, "finance_charge": 8470.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262786, VIN 7MMVABXY3TN491472. $727 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,378. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY3TN491472_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.79, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 54750.67, "finance_charge": 10842.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262786, VIN 7MMVABXY3TN491472. $652 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,751. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY3TN491472_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 540, "unit": "per_month", "display": "$540/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44115.0, "selling_price": 41325.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 540.38, "net_cap_cost": 41920.0, "residual_value": 27351.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 540.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 700.38}, "total_of_payments": 19440, "total_of_payments_unrounded": 19453.68}, "disclosure": "Estimated lease payment for stock #NRMD262786, VIN 7MMVABXY3TN491472. $540 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $700, made up of $540 first payment, $60 title, $100 registration. MSRP $44,115. Lease selling price $41,325. Net capitalized cost $41,920. Residual value $27,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,440. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY3TN491472_lease", "type": "lease", "label": "Lease", "headline": {"value": 447, "unit": "per_month", "display": "$447/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44115.0, "selling_price": 41325.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 447.09, "net_cap_cost": 38921.0, "residual_value": 27351.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 447.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3606.09}, "total_of_payments": 16092, "total_of_payments_unrounded": 16095.24}, "disclosure": "Estimated lease payment for stock #NRMD262786, VIN 7MMVABXY3TN491472. $447 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,606, made up of $447 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,115. Lease selling price $41,325. Net capitalized cost $38,921. Residual value $27,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,092. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 140}}, {"vin": "JM1BPABL7T1895924", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 26775.0, "msrp": 26775.0, "sale_price": 26775.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL7T1895924", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL7T1895924_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26775.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1895924/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1895924/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL7T1895924.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL7T1895924.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL7T1895924.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl7t1895924/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. Advertised price: $26,775. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,775"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26775.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL7T1895924_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 543, "unit": "per_month", "display": "$543/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.27, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 32596.02, "finance_charge": 4147.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. $543 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,596. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1895924_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 471.34, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 33936.37, "finance_charge": 5487.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. $471 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,936. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1895924_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 422, "unit": "per_month", "display": "$422/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 422.31, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 35473.67, "finance_charge": 7025.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. $422 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,474. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1895924_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26775.0, "selling_price": 26775.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.93, "net_cap_cost": 27370.0, "residual_value": 16600.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 547.93}, "total_of_payments": 13968, "total_of_payments_unrounded": 13965.48}, "disclosure": "Estimated lease payment for stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. $388 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $548, made up of $388 first payment, $60 title, $100 registration. MSRP $26,775. Lease selling price $26,775. Net capitalized cost $27,370. Residual value $16,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,968. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL7T1895924_lease", "type": "lease", "label": "Lease", "headline": {"value": 295, "unit": "per_month", "display": "$295/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26775.0, "selling_price": 26775.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 294.64, "net_cap_cost": 24371.0, "residual_value": 16600.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 294.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3453.64}, "total_of_payments": 10620, "total_of_payments_unrounded": 10607.04}, "disclosure": "Estimated lease payment for stock #JM1BPABL7T1895924, VIN JM1BPABL7T1895924. $295 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,454, made up of $295 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,775. Lease selling price $26,775. Net capitalized cost $24,371. Residual value $16,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,620. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 148}}, {"vin": "WA1CNAFY7J2231754", "title": "2018 Audi Q5 Prestige", "year": 2018, "make": "Audi", "model": "Q5", "trim": "Prestige", "decoded_trim": "quattro Prestige", "condition": "used", "price": 14412.0, "msrp": 13999.0, "sale_price": 14220.0, "currency": "USD", "mileage": 118135, "exterior_color": "Ibis White", "interior_color": "Nougat Brown", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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{"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wa1cnafy7j2231754/2018-audi-q5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/WA1CNAFY7J2231754.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/WA1CNAFY7J2231754.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/WA1CNAFY7J2231754.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wa1cnafy7j2231754/2018-audi-q5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #GD260473A, VIN WA1CNAFY7J2231754. Advertised price: $14,412. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$14,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 14412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WA1CNAFY7J2231754_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 360, "unit": "per_month", "display": "$360/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14412.0, "price_incl_doc": 14412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 359.55, "amount_financed": 15312.75, "sales_tax": 900.75, "total_of_payments": 17258.41, "finance_charge": 1945.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260473A, VIN WA1CNAFY7J2231754. $360 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $14,412, before any dealer documentation fee. Amount financed $15,313, including $901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $17,258. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1CNAFY7J2231754_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 300, "unit": "per_month", "display": "$300/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14412.0, "price_incl_doc": 14412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 299.54, "amount_financed": 15312.75, "sales_tax": 900.75, "total_of_payments": 17972.39, "finance_charge": 2659.64, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260473A, VIN WA1CNAFY7J2231754. $300 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $14,412, before any dealer documentation fee. Amount financed $15,313, including $901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,972. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1CNAFY7J2231754_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 261, "unit": "per_month", "display": "$261/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14412.0, "price_incl_doc": 14412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 260.99, "amount_financed": 15312.75, "sales_tax": 900.75, "total_of_payments": 18791.54, "finance_charge": 3478.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260473A, VIN WA1CNAFY7J2231754. $261 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $14,412, before any dealer documentation fee. Amount financed $15,313, including $901 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,792. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KMCHA7T0176762", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36940.0, "msrp": 36940.0, "sale_price": 36940.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA7T0176762", "stock_status": "Available", "availability": "In Stock", 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"rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. Advertised price: $36,940. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,940"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36940.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA7T0176762_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.52, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 44970.94, "finance_charge": 5722.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,971. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0176762_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.28, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 46820.15, "finance_charge": 7571.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0176762_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.63, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 48941.07, "finance_charge": 9692.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,941. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0176762_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.18, "net_cap_cost": 37535.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.18}, "total_of_payments": 19008, "total_of_payments_unrounded": 19014.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $37,535. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0176762_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.88, "net_cap_cost": 34536.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.88}, "total_of_payments": 15660, "total_of_payments_unrounded": 15655.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0176762, VIN JM3KMCHA7T0176762. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $34,536. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 137}}, {"vin": "W1K2J5KB7PA121054", "title": "2023 Mercedes-Benz CLS CLS 450", "year": 2023, "make": "Mercedes-Benz", "model": "CLS", "trim": "CLS 450", "decoded_trim": "CLS450 4MATIC", "condition": "used", "price": 55163.0, "msrp": 54750.0, "sale_price": 55636.0, "currency": "USD", "mileage": 23781, "exterior_color": "Graphite Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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"fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 54750.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/w1k2j5kb7pa121054/2023-mercedes-benz-cls-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/w1k2j5kb7pa121054/2023-mercedes-benz-cls-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/W1K2J5KB7PA121054.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/W1K2J5KB7PA121054.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/W1K2J5KB7PA121054.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/w1k2j5kb7pa121054/2023-mercedes-benz-cls-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0536, VIN W1K2J5KB7PA121054. Advertised price: $55,163. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$55,163"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55163.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_W1K2J5KB7PA121054_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1376, "unit": "per_month", "display": "$1,376/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55163.0, "price_incl_doc": 55163.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1376.21, "amount_financed": 58610.69, "sales_tax": 3447.69, "total_of_payments": 66057.84, "finance_charge": 7447.15, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0536, VIN W1K2J5KB7PA121054. $1,376 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $55,163, before any dealer documentation fee. Amount financed $58,611, including $3,448 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $66,058. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_W1K2J5KB7PA121054_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1147, "unit": "per_month", "display": "$1,147/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55163.0, "price_incl_doc": 55163.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1146.51, "amount_financed": 58610.69, "sales_tax": 3447.69, "total_of_payments": 68790.66, "finance_charge": 10179.97, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0536, VIN W1K2J5KB7PA121054. $1,147 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $55,163, before any dealer documentation fee. Amount financed $58,611, including $3,448 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $68,791. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_W1K2J5KB7PA121054_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 999, "unit": "per_month", "display": "$999/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55163.0, "price_incl_doc": 55163.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 998.97, "amount_financed": 58610.69, "sales_tax": 3447.69, "total_of_payments": 71926.03, "finance_charge": 13315.34, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0536, VIN W1K2J5KB7PA121054. $999 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $55,163, before any dealer documentation fee. Amount financed $58,611, including $3,448 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $71,926. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha7t0172169/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262935, VIN JM3KMBHA7T0172169. Advertised price: $33,795. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,795"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33795.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA7T0172169_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 686, "unit": "per_month", "display": "$686/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33795.0, "price_incl_doc": 33795.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.7, "amount_financed": 35907.19, "sales_tax": 2112.19, "total_of_payments": 41142.2, "finance_charge": 5235.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262935, VIN JM3KMBHA7T0172169. $686 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,795, before any dealer documentation fee. Amount financed $35,907, including $2,112 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,142. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0172169_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 595, "unit": "per_month", "display": "$595/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33795.0, "price_incl_doc": 33795.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.92, "amount_financed": 35907.19, "sales_tax": 2112.19, "total_of_payments": 42833.98, "finance_charge": 6926.79, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262935, VIN JM3KMBHA7T0172169. $595 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,795, before any dealer documentation fee. Amount financed $35,907, including $2,112 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,834. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0172169_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33795.0, "price_incl_doc": 33795.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.03, "amount_financed": 35907.19, "sales_tax": 2112.19, "total_of_payments": 44774.33, "finance_charge": 8867.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262935, VIN JM3KMBHA7T0172169. $533 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,795, before any dealer documentation fee. Amount financed $35,907, including $2,112 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,774. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0172169_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33795.0, "selling_price": 33795.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 484.78, "net_cap_cost": 34390.0, "residual_value": 20952.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 484.78, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 644.78}, "total_of_payments": 17460, "total_of_payments_unrounded": 17452.08}, "disclosure": "Estimated lease payment for stock #MD262935, VIN JM3KMBHA7T0172169. $485 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $645, made up of $485 first payment, $60 title, $100 registration. MSRP $33,795. Lease selling price $33,795. Net capitalized cost $34,390. Residual value $20,953, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,460. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0172169_lease", "type": "lease", "label": "Lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33795.0, "selling_price": 33795.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 391.49, "net_cap_cost": 31391.0, "residual_value": 20952.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.49, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3550.49}, "total_of_payments": 14076, "total_of_payments_unrounded": 14093.64}, "disclosure": "Estimated lease payment for stock #MD262935, VIN JM3KMBHA7T0172169. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,795. Lease selling price $33,795. Net capitalized cost $31,391. Residual value $20,953, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 138}}, {"vin": "JM3KMBHA1T0193437", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33485.0, "msrp": 33485.0, "sale_price": 33635.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA1T0193437", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA1T0193437_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33485.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0193437/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0193437/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA1T0193437.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0193437.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0193437.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0193437/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. Advertised price: $33,485. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,485"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33485.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA1T0193437_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 679, "unit": "per_month", "display": "$679/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33485.0, "price_incl_doc": 33485.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 679.41, "amount_financed": 35577.81, "sales_tax": 2092.81, "total_of_payments": 40764.8, "finance_charge": 5186.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. $679 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,485, before any dealer documentation fee. Amount financed $35,578, including $2,093 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,765. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0193437_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33485.0, "price_incl_doc": 33485.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.46, "amount_financed": 35577.81, "sales_tax": 2092.81, "total_of_payments": 42441.06, "finance_charge": 6863.25, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. $589 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,485, before any dealer documentation fee. Amount financed $35,578, including $2,093 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,441. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0193437_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33485.0, "price_incl_doc": 33485.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.14, "amount_financed": 35577.81, "sales_tax": 2092.81, "total_of_payments": 44363.61, "finance_charge": 8785.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. $528 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,485, before any dealer documentation fee. Amount financed $35,578, including $2,093 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,364. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0193437_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 481, "unit": "per_month", "display": "$481/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33485.0, "selling_price": 33485.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 480.51, "net_cap_cost": 34080.0, "residual_value": 20760.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 480.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 640.51}, "total_of_payments": 17316, "total_of_payments_unrounded": 17298.36}, "disclosure": "Estimated lease payment for stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. $481 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $641, made up of $481 first payment, $60 title, $100 registration. MSRP $33,485. Lease selling price $33,485. Net capitalized cost $34,080. Residual value $20,761, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,316. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0193437_lease", "type": "lease", "label": "Lease", "headline": {"value": 387, "unit": "per_month", "display": "$387/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33485.0, "selling_price": 33485.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.21, "net_cap_cost": 31081.0, "residual_value": 20760.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3546.21}, "total_of_payments": 13932, "total_of_payments_unrounded": 13939.56}, "disclosure": "Estimated lease payment for stock #JM3KMBHA1T0193437, VIN JM3KMBHA1T0193437. $387 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,546, made up of $387 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,485. Lease selling price $33,485. Net capitalized cost $31,081. Residual value $20,761, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,932. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 137}}, {"vin": "JM3KMCHA9T0180022", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36560.0, "msrp": 36560.0, "sale_price": 36560.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA9T0180022", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0180022_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36560.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0180022/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0180022/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA9T0180022.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0180022.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0180022.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0180022/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. Advertised price: $36,560. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,560"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36560.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA9T0180022_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 741.81, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 44508.32, "finance_charge": 5663.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. $742 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,508. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0180022_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 643.59, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 46338.51, "finance_charge": 7493.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. $644 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,339. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0180022_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.64, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 48437.62, "finance_charge": 9592.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. $577 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,438. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0180022_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36560.0, "selling_price": 36560.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.93, "net_cap_cost": 37155.0, "residual_value": 22667.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.93}, "total_of_payments": 18828, "total_of_payments_unrounded": 18825.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. $523 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $683, made up of $523 first payment, $60 title, $100 registration. MSRP $36,560. Lease selling price $36,560. Net capitalized cost $37,155. Residual value $22,667, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0180022_lease", "type": "lease", "label": "Lease", "headline": {"value": 430, "unit": "per_month", "display": "$430/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36560.0, "selling_price": 36560.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 429.64, "net_cap_cost": 34156.0, "residual_value": 22667.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3588.64}, "total_of_payments": 15480, "total_of_payments_unrounded": 15467.04}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0180022, VIN JM3KMCHA9T0180022. $430 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,589, made up of $430 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,560. Lease selling price $36,560. Net capitalized cost $34,156. Residual value $22,667, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,480. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 133}}, {"vin": "JM3KMEHA9T0175155", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41910.0, "msrp": 41910.0, "sale_price": 41910.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. Advertised price: $41,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA9T0175155_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 850, "unit": "per_month", "display": "$850/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41910.0, "price_incl_doc": 41910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 850.36, "amount_financed": 44529.38, "sales_tax": 2619.38, "total_of_payments": 51021.44, "finance_charge": 6492.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. $850 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,910, before any dealer documentation fee. Amount financed $44,529, including $2,619 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,021. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0175155_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 738, "unit": "per_month", "display": "$738/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41910.0, "price_incl_doc": 41910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.77, "amount_financed": 44529.38, "sales_tax": 2619.38, "total_of_payments": 53119.46, "finance_charge": 8590.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. $738 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,910, before any dealer documentation fee. Amount financed $44,529, including $2,619 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,119. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0175155_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 661, "unit": "per_month", "display": "$661/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41910.0, "price_incl_doc": 41910.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.02, "amount_financed": 44529.38, "sales_tax": 2619.38, "total_of_payments": 55525.73, "finance_charge": 10996.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. $661 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,910, before any dealer documentation fee. Amount financed $44,529, including $2,619 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,526. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0175155_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 597, "unit": "per_month", "display": "$597/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41910.0, "selling_price": 41910.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 596.75, "net_cap_cost": 42505.0, "residual_value": 25984.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 596.75, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 756.75}, "total_of_payments": 21492, "total_of_payments_unrounded": 21483.0}, "disclosure": "Estimated lease payment for stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. $597 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $757, made up of $597 first payment, $60 title, $100 registration. MSRP $41,910. Lease selling price $41,910. Net capitalized cost $42,505. Residual value $25,984, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,492. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0175155_lease", "type": "lease", "label": "Lease", "headline": {"value": 503, "unit": "per_month", "display": "$503/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41910.0, "selling_price": 41910.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 503.46, "net_cap_cost": 39506.0, "residual_value": 25984.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 503.46, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3662.46}, "total_of_payments": 18108, "total_of_payments_unrounded": 18124.56}, "disclosure": "Estimated lease payment for stock #JM3KMEHA9T0175155, VIN JM3KMEHA9T0175155. $503 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,662, made up of $503 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,910. Lease selling price $41,910. Net capitalized cost $39,506. Residual value $25,984, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,108. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 139}}, {"vin": "3GKALMEG0PL226386", "title": "2023 GMC Terrain SLE", "year": 2023, "make": "GMC", "model": "Terrain", "trim": "SLE", "decoded_trim": "SLE", "condition": "used", "price": 23803.0, "msrp": 23390.0, "sale_price": 23420.0, "currency": "USD", "mileage": 30603, "exterior_color": "Summit White", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALMEG0PL226386_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23803.0, "price_incl_doc": 23803.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 494.72, "amount_financed": 25290.69, "sales_tax": 1487.69, "total_of_payments": 29683.38, "finance_charge": 4392.69, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260712A, VIN 3GKALMEG0PL226386. $495 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,803, before any dealer documentation fee. Amount financed $25,291, including $1,488 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,683. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3GKALMEG0PL226386_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 431, "unit": "per_month", "display": "$431/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23803.0, "price_incl_doc": 23803.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 431.06, "amount_financed": 25290.69, "sales_tax": 1487.69, "total_of_payments": 31036.3, "finance_charge": 5745.61, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260712A, VIN 3GKALMEG0PL226386. $431 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,803, before any dealer documentation fee. Amount financed $25,291, including $1,488 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,036. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8KNDAF1PU162819_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 719, "unit": "per_month", "display": "$719/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28810.0, "price_incl_doc": 28810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.75, "amount_financed": 30610.63, "sales_tax": 1800.63, "total_of_payments": 34500.06, "finance_charge": 3889.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1052, VIN KM8KNDAF1PU162819. $719 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,810, before any dealer documentation fee. Amount financed $30,611, including $1,801 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,500. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28810.0, "price_incl_doc": 28810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.79, "amount_financed": 30610.63, "sales_tax": 1800.63, "total_of_payments": 35927.33, "finance_charge": 5316.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1052, VIN KM8KNDAF1PU162819. $599 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,810, before any dealer documentation fee. Amount financed $30,611, including $1,801 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,927. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28810.0, "price_incl_doc": 28810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.73, "amount_financed": 30610.63, "sales_tax": 1800.63, "total_of_payments": 37564.84, "finance_charge": 6954.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1052, VIN KM8KNDAF1PU162819. $522 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,810, before any dealer documentation fee. Amount financed $30,611, including $1,801 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,565. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$48,404"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48404.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_SADCT2FU2RA731891_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1208, "unit": "per_month", "display": "$1,208/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48404.0, "price_incl_doc": 48404.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1207.58, "amount_financed": 51429.25, "sales_tax": 3025.25, "total_of_payments": 57963.92, "finance_charge": 6534.67, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260428A, VIN SADCT2FU2RA731891. $1,208 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $48,404, before any dealer documentation fee. Amount financed $51,429, including $3,025 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $57,964. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_SADCT2FU2RA731891_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1006, "unit": "per_month", "display": "$1,006/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48404.0, "price_incl_doc": 48404.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1006.03, "amount_financed": 51429.25, "sales_tax": 3025.25, "total_of_payments": 60361.89, "finance_charge": 8932.64, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260428A, VIN SADCT2FU2RA731891. $1,006 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $48,404, before any dealer documentation fee. Amount financed $51,429, including $3,025 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $60,362. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.5, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 35009.84, "finance_charge": 1636.71, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL5TM224792, VIN 3MVDMBCL5TM224792. $584 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $35,010. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL5TM224792_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31410.0, "price_incl_doc": 31410.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 495.41, "amount_financed": 33373.13, "sales_tax": 1963.13, "total_of_payments": 41614.49, "finance_charge": 8241.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL5TM224792, VIN 3MVDMBCL5TM224792. $495 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,410, before any dealer documentation fee. Amount financed $33,373, including $1,963 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,614. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL5TM224792_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 452, "unit": "per_month", "display": "$452/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31410.0, "selling_price": 31410.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 451.88, "net_cap_cost": 32005.0, "residual_value": 19474.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 451.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 611.88}, "total_of_payments": 16272, "total_of_payments_unrounded": 16267.68}, "disclosure": "Estimated lease payment for stock #3MVDMBCL5TM224792, VIN 3MVDMBCL5TM224792. $452 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $612, made up of $452 first payment, $60 title, $100 registration. MSRP $31,410. Lease selling price $31,410. Net capitalized cost $32,005. Residual value $19,474, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL5TM224792_lease", "type": "lease", "label": "Lease", "headline": {"value": 359, "unit": "per_month", "display": "$359/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31410.0, "selling_price": 31410.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 358.59, "net_cap_cost": 29006.0, "residual_value": 19474.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 358.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3517.59}, "total_of_payments": 12924, "total_of_payments_unrounded": 12909.24}, "disclosure": "Estimated lease payment for stock #3MVDMBCL5TM224792, VIN 3MVDMBCL5TM224792. $359 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,518, made up of $359 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,410. Lease selling price $31,410. Net capitalized cost $29,006. Residual value $19,474, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,924. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 169}}, {"vin": "3VVNX7B22PM310460", "title": "2023 Volkswagen Taos SE", "year": 2023, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE w/ Sunroof Pkg.", "condition": "used", "price": 22575.0, "msrp": 22162.0, "sale_price": 23399.0, "currency": "USD", "mileage": 25193, "exterior_color": "Dusk Blue Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$22,575"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22575.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVNX7B22PM310460_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 563, "unit": "per_month", "display": "$563/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22575.0, "price_incl_doc": 22575.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.2, "amount_financed": 23985.94, "sales_tax": 1410.94, "total_of_payments": 27033.63, "finance_charge": 3047.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0985, VIN 3VVNX7B22PM310460. $563 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,575, before any dealer documentation fee. Amount financed $23,986, including $1,411 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVNX7B22PM310460_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 469, "unit": "per_month", "display": "$469/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22575.0, "price_incl_doc": 22575.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.2, "amount_financed": 23985.94, "sales_tax": 1410.94, "total_of_payments": 28152.01, "finance_charge": 4166.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0985, VIN 3VVNX7B22PM310460. $469 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,575, before any dealer documentation fee. Amount financed $23,986, including $1,411 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,152. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVNX7B22PM310460_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 409, "unit": "per_month", "display": "$409/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22575.0, "price_incl_doc": 22575.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 408.82, "amount_financed": 23985.94, "sales_tax": 1410.94, "total_of_payments": 29435.13, "finance_charge": 5449.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0985, VIN 3VVNX7B22PM310460. $409 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,575, before any dealer documentation fee. Amount financed $23,986, including $1,411 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,435. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. Advertised price: $36,035. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,035"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36035.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0173732_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36035.0, "price_incl_doc": 36035.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.15, "amount_financed": 38287.19, "sales_tax": 2252.19, "total_of_payments": 43869.19, "finance_charge": 5582.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. $731 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,035, before any dealer documentation fee. Amount financed $38,287, including $2,252 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,869. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0173732_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36035.0, "price_incl_doc": 36035.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.35, "amount_financed": 38287.19, "sales_tax": 2252.19, "total_of_payments": 45673.1, "finance_charge": 7385.91, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. $634 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,035, before any dealer documentation fee. Amount financed $38,287, including $2,252 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,673. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0173732_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 568, "unit": "per_month", "display": "$568/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36035.0, "price_incl_doc": 36035.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.36, "amount_financed": 38287.19, "sales_tax": 2252.19, "total_of_payments": 47742.06, "finance_charge": 9454.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. $568 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,035, before any dealer documentation fee. Amount financed $38,287, including $2,252 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,742. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0173732_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36035.0, "selling_price": 36035.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 515.69, "net_cap_cost": 36630.0, "residual_value": 22341.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 515.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 675.69}, "total_of_payments": 18576, "total_of_payments_unrounded": 18564.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. $516 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $676, made up of $516 first payment, $60 title, $100 registration. MSRP $36,035. Lease selling price $36,035. Net capitalized cost $36,630. Residual value $22,342, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,576. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0173732_lease", "type": "lease", "label": "Lease", "headline": {"value": 422, "unit": "per_month", "display": "$422/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36035.0, "selling_price": 36035.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.4, "net_cap_cost": 33631.0, "residual_value": 22341.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3581.4}, "total_of_payments": 15192, "total_of_payments_unrounded": 15206.4}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0173732, VIN JM3KMCHA5T0173732. $422 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,581, made up of $422 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,035. Lease selling price $36,035. Net capitalized cost $33,631. Residual value $22,342, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,192. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 167}}, {"vin": "KMHLS4DG2TU159116", "title": "2026 Hyundai Elantra SEL Sport Premium", "year": 2026, "make": "Hyundai", "model": "Elantra", "trim": "SEL Sport Premium", "decoded_trim": "SEL Sport Premium", "condition": "used", "price": 24370.0, "msrp": 23957.0, "sale_price": 24368.0, "currency": "USD", "mileage": 11, "exterior_color": "Ecotronic Gray", "interior_color": "Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "1-Speed CVT w/OD", "mpg_city": 30, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260676", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/cd553ed236424aa69311f74fef47eff0.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/cd553ed236424aa69311f74fef47eff0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e2ff792d3ef347a68e5d458a042ba3c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1d969f3743e641c3b7f5c3fc48e2a807.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/586d015452e641199c9208906a046c7a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/88501ee2146346a284a8c8e018031299.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d3e17d70da9940839c1db20dac9fef76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c73a0b3e265c43929534bc7198894fd9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53c0cf7979914523bb7bd08343b95d45.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b74a54f79ad4fe68eb43c25dbe20454.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1b24f05288324f62a1c0aade16c25e47.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87d445cdda1544bfbbc673a229484697.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87d1b154bda249f6b021dc21c69321cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f2eef7ed99f465cb6030112bd425da0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b65cb51f0b9c4f93a9410c20899af303.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cca2fd6c9061497b86c5555791f7678d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/95e145a3989a48f28502101812f8c114.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ed9dd18029a0424883fdeac5bf53cc29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/08a3593874484ef7af720f802d1f4797.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e565e322fe5468dadc1851a4db703ad.jpg"], "vin_decode": {"make": "Hyundai", "model": "Elantra", "year": 2026, "trim": "SEL Sport Premium", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2L", "engine_displacement_l": 2.0, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 23957.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KMHLS4DG2TU159116.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhls4dg2tu159116/2026-hyundai-elantra-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhls4dg2tu159116/2026-hyundai-elantra-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KMHLS4DG2TU159116.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KMHLS4DG2TU159116.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KMHLS4DG2TU159116.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhls4dg2tu159116/2026-hyundai-elantra-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #LHD260676, VIN KMHLS4DG2TU159116. Advertised price: $24,370. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,370"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24370.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHLS4DG2TU159116_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24370.0, "price_incl_doc": 24370.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 607.98, "amount_financed": 25893.13, "sales_tax": 1523.13, "total_of_payments": 29183.15, "finance_charge": 3290.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260676, VIN KMHLS4DG2TU159116. $608 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,370, before any dealer documentation fee. Amount financed $25,893, including $1,523 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,183. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLS4DG2TU159116_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24370.0, "price_incl_doc": 24370.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 506.51, "amount_financed": 25893.13, "sales_tax": 1523.13, "total_of_payments": 30390.45, "finance_charge": 4497.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260676, VIN KMHLS4DG2TU159116. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,370, before any dealer documentation fee. Amount financed $25,893, including $1,523 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,390. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLS4DG2TU159116_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24370.0, "price_incl_doc": 24370.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 441.33, "amount_financed": 25893.13, "sales_tax": 1523.13, "total_of_payments": 31775.6, "finance_charge": 5882.47, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260676, VIN KMHLS4DG2TU159116. $441 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,370, before any dealer documentation fee. Amount financed $25,893, including $1,523 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,776. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 16, "elapsed_ms": 64}}, {"vin": "JM3KMBHA5T0206450", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33840.0, "msrp": 33840.0, "sale_price": 33840.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA5T0206450", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA5T0206450_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33840.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0206450/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0206450/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA5T0206450.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0206450.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0206450.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0206450/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. Advertised price: $33,840. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,840"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA5T0206450_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33840.0, "price_incl_doc": 33840.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.62, "amount_financed": 35955.0, "sales_tax": 2115.0, "total_of_payments": 41196.98, "finance_charge": 5241.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. $687 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,840, before any dealer documentation fee. Amount financed $35,955, including $2,115 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,197. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0206450_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33840.0, "price_incl_doc": 33840.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.71, "amount_financed": 35955.0, "sales_tax": 2115.0, "total_of_payments": 42891.01, "finance_charge": 6936.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,840, before any dealer documentation fee. Amount financed $35,955, including $2,115 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,891. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0206450_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33840.0, "price_incl_doc": 33840.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.74, "amount_financed": 35955.0, "sales_tax": 2115.0, "total_of_payments": 44833.94, "finance_charge": 8878.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,840, before any dealer documentation fee. Amount financed $35,955, including $2,115 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,834. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0206450_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33840.0, "selling_price": 33840.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 485.4, "net_cap_cost": 34435.0, "residual_value": 20980.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 485.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 645.4}, "total_of_payments": 17460, "total_of_payments_unrounded": 17474.4}, "disclosure": "Estimated lease payment for stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. $485 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $645, made up of $485 first payment, $60 title, $100 registration. MSRP $33,840. Lease selling price $33,840. Net capitalized cost $34,435. Residual value $20,981, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,460. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0206450_lease", "type": "lease", "label": "Lease", "headline": {"value": 392, "unit": "per_month", "display": "$392/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33840.0, "selling_price": 33840.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 392.11, "net_cap_cost": 31436.0, "residual_value": 20980.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 392.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3551.11}, "total_of_payments": 14112, "total_of_payments_unrounded": 14115.96}, "disclosure": "Estimated lease payment for stock #JM3KMBHA5T0206450, VIN JM3KMBHA5T0206450. $392 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,551, made up of $392 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,840. Lease selling price $33,840. Net capitalized cost $31,436. Residual value $20,981, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,112. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 190}}, {"vin": "3GNKBHR47PS227428", "title": "2023 Chevrolet Blazer LT", "year": 2023, "make": "Chevrolet", "model": "Blazer", "trim": "LT", "decoded_trim": "2LT", "condition": "used", "price": 25858.0, "msrp": 25445.0, "sale_price": 25777.0, "currency": "USD", "mileage": 41661, "exterior_color": "Summit White", "interior_color": "Jet Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43413.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2KC2CA4TC201708_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1083, "unit": "per_month", "display": "$1,083/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43413.0, "price_incl_doc": 43413.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1083.07, "amount_financed": 46126.31, "sales_tax": 2713.31, "total_of_payments": 51987.18, "finance_charge": 5860.87, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1007, VIN 1V2KC2CA4TC201708. $1,083 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $43,413, before any dealer documentation fee. Amount financed $46,126, including $2,713 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,987. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA4TC201708_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 902, "unit": "per_month", "display": "$902/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43413.0, "price_incl_doc": 43413.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.3, "amount_financed": 46126.31, "sales_tax": 2713.31, "total_of_payments": 54137.89, "finance_charge": 8011.58, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1007, VIN 1V2KC2CA4TC201708. $902 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $43,413, before any dealer documentation fee. Amount financed $46,126, including $2,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,138. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2KC2CA4TC201708_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 786, "unit": "per_month", "display": "$786/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43413.0, "price_incl_doc": 43413.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 786.19, "amount_financed": 46126.31, "sales_tax": 2713.31, "total_of_payments": 56605.41, "finance_charge": 10479.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1007, VIN 1V2KC2CA4TC201708. $786 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $43,413, before any dealer documentation fee. Amount financed $46,126, including $2,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $56,605. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8hf3ab4tu365115/2026-hyundai-kona-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8HF3AB4TU365115.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8HF3AB4TU365115.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8HF3AB4TU365115.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8hf3ab4tu365115/2026-hyundai-kona-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27566.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8HF3AB4TU365115_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 688, "unit": "per_month", "display": "$688/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27566.0, "price_incl_doc": 27566.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.72, "amount_financed": 29288.88, "sales_tax": 1722.88, "total_of_payments": 33010.36, "finance_charge": 3721.48, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260341, VIN KM8HF3AB4TU365115. $688 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,566, before any dealer documentation fee. Amount financed $29,289, including $1,723 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,010. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8HF3AB4TU365115_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27566.0, "price_incl_doc": 27566.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.93, "amount_financed": 29288.88, "sales_tax": 1722.88, "total_of_payments": 34376.0, "finance_charge": 5087.12, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260341, VIN KM8HF3AB4TU365115. $573 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,566, before any dealer documentation fee. Amount financed $29,289, including $1,723 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,376. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44575.0, "price_incl_doc": 44575.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 807.54, "amount_financed": 47360.94, "sales_tax": 2785.94, "total_of_payments": 48452.31, "finance_charge": 1091.37, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJBHD7T1213414, VIN JM3KJBHD7T1213414. $808 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $44,575, before any dealer documentation fee. Amount financed $47,361, including $2,786 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $48,452. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD7T1213414_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 703, "unit": "per_month", "display": "$703/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44575.0, "price_incl_doc": 44575.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 703.05, "amount_financed": 47360.94, "sales_tax": 2785.94, "total_of_payments": 59056.54, "finance_charge": 11695.6, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJBHD7T1213414, VIN JM3KJBHD7T1213414. $703 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,575, before any dealer documentation fee. Amount financed $47,361, including $2,786 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,057. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD7T1213414_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44575.0, "selling_price": 44575.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 633.52, "net_cap_cost": 45170.0, "residual_value": 27636.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 633.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 793.52}, "total_of_payments": 22824, "total_of_payments_unrounded": 22806.72}, "disclosure": "Estimated lease payment for stock #JM3KJBHD7T1213414, VIN JM3KJBHD7T1213414. $634 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $794, made up of $634 first payment, $60 title, $100 registration. MSRP $44,575. Lease selling price $44,575. Net capitalized cost $45,170. Residual value $27,636, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,824. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJBHD7T1213414_lease", "type": "lease", "label": "Lease", "headline": {"value": 540, "unit": "per_month", "display": "$540/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44575.0, "selling_price": 44575.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 540.23, "net_cap_cost": 42171.0, "residual_value": 27636.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 540.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3699.23}, "total_of_payments": 19440, "total_of_payments_unrounded": 19448.28}, "disclosure": "Estimated lease payment for stock #JM3KJBHD7T1213414, VIN JM3KJBHD7T1213414. $540 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,699, made up of $540 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,575. Lease selling price $44,575. Net capitalized cost $42,171. Residual value $27,636, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,440. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 184}}, {"vin": "4T1K61AK1LU969506", "title": "2020 Toyota Camry XSE", "year": 2020, "make": "Toyota", "model": "Camry", "trim": "XSE", "decoded_trim": "XSE", "condition": "used", "price": 26664.0, "msrp": 26251.0, "sale_price": 26302.0, "currency": "USD", "mileage": 52419, "exterior_color": "Wind Chill Pearl", "interior_color": "Ash", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0532, VIN 4T1K61AK1LU969506. Advertised price: $26,664. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,664"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:05Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26664.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4T1K61AK1LU969506_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 665, "unit": "per_month", "display": "$665/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26664.0, "price_incl_doc": 26664.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 665.21, "amount_financed": 28330.5, "sales_tax": 1666.5, "total_of_payments": 31930.21, "finance_charge": 3599.71, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0532, VIN 4T1K61AK1LU969506. $665 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $26,664, before any dealer documentation fee. Amount financed $28,330, including $1,666 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,930. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1K61AK1LU969506_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 554, "unit": "per_month", "display": "$554/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26664.0, "price_incl_doc": 26664.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 554.19, "amount_financed": 28330.5, "sales_tax": 1666.5, "total_of_payments": 33251.16, "finance_charge": 4920.66, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0532, VIN 4T1K61AK1LU969506. $554 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,664, before any dealer documentation fee. Amount financed $28,330, including $1,666 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,251. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1K61AK1LU969506_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 483, "unit": "per_month", "display": "$483/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. Advertised price: $35,065. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,065"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35065.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL6TN611275_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 711, "unit": "per_month", "display": "$711/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35065.0, "price_incl_doc": 35065.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.47, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 42688.3, "finance_charge": 5431.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. $711 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,688. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN611275_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 617, "unit": "per_month", "display": "$617/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35065.0, "price_incl_doc": 35065.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.27, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 44443.65, "finance_charge": 7187.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. $617 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,444. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN611275_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35065.0, "price_incl_doc": 35065.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.06, "amount_financed": 37256.56, "sales_tax": 2191.56, "total_of_payments": 46456.92, "finance_charge": 9200.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. $553 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,065, before any dealer documentation fee. Amount financed $37,257, including $2,192 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,457. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN611275_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 502, "unit": "per_month", "display": "$502/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35065.0, "selling_price": 35065.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 502.31, "net_cap_cost": 35660.0, "residual_value": 21740.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 502.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 662.31}, "total_of_payments": 18072, "total_of_payments_unrounded": 18083.16}, "disclosure": "Estimated lease payment for stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. $502 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $662, made up of $502 first payment, $60 title, $100 registration. MSRP $35,065. Lease selling price $35,065. Net capitalized cost $35,660. Residual value $21,740, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,072. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL6TN611275_lease", "type": "lease", "label": "Lease", "headline": {"value": 409, "unit": "per_month", "display": "$409/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35065.0, "selling_price": 35065.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 409.01, "net_cap_cost": 32661.0, "residual_value": 21740.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 409.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3568.01}, "total_of_payments": 14724, "total_of_payments_unrounded": 14724.36}, "disclosure": "Estimated lease payment for stock #7MMVABBL6TN611275, VIN 7MMVABBL6TN611275. $409 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,568, made up of $409 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,065. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0162429/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0162429/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA1T0162429.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0162429.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0162429.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0162429/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $924. This offer applies to Stock #MD262891, VIN JM3KMBHA1T0162429. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,375. Advertised price: $33,451. Savings: $924, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,375"}, {"label": "Advertised price", "value": "$33,451"}, {"label": "Savings", "value": "$924, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $924", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33451.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA1T0162429_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 679, "unit": "per_month", "display": "$679/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33451.0, "price_incl_doc": 33451.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 678.72, "amount_financed": 35541.69, "sales_tax": 2090.69, "total_of_payments": 40723.41, "finance_charge": 5181.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262891, VIN JM3KMBHA1T0162429. $679 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,451, before any dealer documentation fee. Amount financed $35,542, including $2,091 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,723. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0162429_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33451.0, "price_incl_doc": 33451.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.86, "amount_financed": 35541.69, "sales_tax": 2090.69, "total_of_payments": 42397.97, "finance_charge": 6856.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262891, VIN JM3KMBHA1T0162429. $589 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,451, before any dealer documentation fee. Amount financed $35,542, including $2,091 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,398. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0162429_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33451.0, "price_incl_doc": 33451.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.6, "amount_financed": 35541.69, "sales_tax": 2090.69, "total_of_payments": 44318.57, "finance_charge": 8776.88, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262891, VIN JM3KMBHA1T0162429. $528 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,451, before any dealer documentation fee. Amount financed $35,542, including $2,091 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,319. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0162429_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34375.0, "selling_price": 33451.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.04, "net_cap_cost": 34046.0, "residual_value": 21312.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.04, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 624.04}, "total_of_payments": 16704, "total_of_payments_unrounded": 16705.44}, "disclosure": "Estimated lease payment for stock #MD262891, VIN JM3KMBHA1T0162429. $464 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $624, made up of $464 first payment, $60 title, $100 registration. MSRP $34,375. Lease selling price $33,451. Net capitalized cost $34,046. Residual value $21,312, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,704. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0162429_lease", "type": "lease", "label": "Lease", "headline": {"value": 371, "unit": "per_month", "display": "$371/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34375.0, "selling_price": 33451.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.75, "net_cap_cost": 31047.0, "residual_value": 21312.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.75, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.75}, "total_of_payments": 13356, "total_of_payments_unrounded": 13347.0}, "disclosure": "Estimated lease payment for stock #MD262891, VIN JM3KMBHA1T0162429. $371 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,530, made up of $371 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,375. Lease selling price $33,451. Net capitalized cost $31,047. Residual value $21,312, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 253}}, {"vin": "JM3KMEHA3T0191464", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42030.0, "msrp": 42030.0, "sale_price": 42180.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Sport Tan Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA3T0191464", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0191464_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42030.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0191464/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0191464/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA3T0191464.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA3T0191464.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA3T0191464.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0191464/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. Advertised price: $42,030. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,030"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42030.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA3T0191464_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 853, "unit": "per_month", "display": "$853/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42030.0, "price_incl_doc": 42030.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 852.79, "amount_financed": 44656.88, "sales_tax": 2626.88, "total_of_payments": 51167.53, "finance_charge": 6510.65, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. $853 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,030, before any dealer documentation fee. Amount financed $44,657, including $2,627 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,168. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0191464_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 740, "unit": "per_month", "display": "$740/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42030.0, "price_incl_doc": 42030.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 739.88, "amount_financed": 44656.88, "sales_tax": 2626.88, "total_of_payments": 53271.55, "finance_charge": 8614.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. $740 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,030, before any dealer documentation fee. Amount financed $44,657, including $2,627 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,272. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0191464_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 663, "unit": "per_month", "display": "$663/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42030.0, "price_incl_doc": 42030.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 662.91, "amount_financed": 44656.88, "sales_tax": 2626.88, "total_of_payments": 55684.72, "finance_charge": 11027.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. $663 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,030, before any dealer documentation fee. Amount financed $44,657, including $2,627 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,685. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0191464_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42030.0, "selling_price": 42030.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 598.4, "net_cap_cost": 42625.0, "residual_value": 26058.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 598.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 758.4}, "total_of_payments": 21528, "total_of_payments_unrounded": 21542.4}, "disclosure": "Estimated lease payment for stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. $598 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $758, made up of $598 first payment, $60 title, $100 registration. MSRP $42,030. Lease selling price $42,030. Net capitalized cost $42,625. Residual value $26,059, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,528. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0191464_lease", "type": "lease", "label": "Lease", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42030.0, "selling_price": 42030.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 505.11, "net_cap_cost": 39626.0, "residual_value": 26058.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 505.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3664.11}, "total_of_payments": 18180, "total_of_payments_unrounded": 18183.96}, "disclosure": "Estimated lease payment for stock #JM3KMEHA3T0191464, VIN JM3KMEHA3T0191464. $505 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,664, made up of $505 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,030. Lease selling price $42,030. Net capitalized cost $39,626. Residual value $26,059, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,180. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26712.0, "price_incl_doc": 26712.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.18, "amount_financed": 28381.5, "sales_tax": 1669.5, "total_of_payments": 33311.02, "finance_charge": 4929.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1030, VIN JN8BT3DD1PW316551. $555 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,712, before any dealer documentation fee. Amount financed $28,382, including $1,670 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,311. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JN8BT3DD1PW316551_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26712.0, "price_incl_doc": 26712.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 483.74, "amount_financed": 28381.5, "sales_tax": 1669.5, "total_of_payments": 34829.29, "finance_charge": 6447.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1030, VIN JN8BT3DD1PW316551. $484 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,712, before any dealer documentation fee. Amount financed $28,382, including $1,670 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,829. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23688.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AB2A57HLB14607_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23688.0, "price_incl_doc": 23688.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 492.33, "amount_financed": 25168.5, "sales_tax": 1480.5, "total_of_payments": 29539.96, "finance_charge": 4371.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263216AA, VIN WP1AB2A57HLB14607. $492 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,688, before any dealer documentation fee. Amount financed $25,168, including $1,480 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,540. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WP1AB2A57HLB14607_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23688.0, "price_incl_doc": 23688.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 428.98, "amount_financed": 25168.5, "sales_tax": 1480.5, "total_of_payments": 30886.35, "finance_charge": 5717.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263216AA, VIN WP1AB2A57HLB14607. $429 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,688, before any dealer documentation fee. Amount financed $25,168, including $1,480 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,886. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbha2t1375325/2026-mazda-cx-90-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKBHA2T1375325.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHA2T1375325.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHA2T1375325.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbha2t1375325/2026-mazda-cx-90-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,343. This offer applies to Stock #MD262518, VIN JM3KKBHA2T1375325. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $52,670. Advertised price: $46,327. Savings: $6,343, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$52,670"}, {"label": "Advertised price", "value": "$46,327"}, {"label": "Savings", "value": "$6,343, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,343", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46327.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKBHA2T1375325_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 940, "unit": "per_month", "display": "$940/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46327.0, "price_incl_doc": 46327.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 939.98, "amount_financed": 49222.44, "sales_tax": 2895.44, "total_of_payments": 56398.72, "finance_charge": 7176.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262518, VIN JM3KKBHA2T1375325. $940 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $46,327, before any dealer documentation fee. Amount financed $49,222, including $2,895 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $56,399. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA2T1375325_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 816, "unit": "per_month", "display": "$816/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46327.0, "price_incl_doc": 46327.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.53, "amount_financed": 49222.44, "sales_tax": 2895.44, "total_of_payments": 58717.85, "finance_charge": 9495.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262518, VIN JM3KKBHA2T1375325. $816 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $46,327, before any dealer documentation fee. Amount financed $49,222, including $2,895 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $58,718. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA2T1375325_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46327.0, "price_incl_doc": 46327.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 730.69, "amount_financed": 49222.44, "sales_tax": 2895.44, "total_of_payments": 61377.73, "finance_charge": 12155.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262518, VIN JM3KKBHA2T1375325. $731 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $46,327, before any dealer documentation fee. Amount financed $49,222, including $2,895 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $61,378. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA2T1375325_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52670.0, "selling_price": 46327.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 547.89, "net_cap_cost": 46922.0, "residual_value": 32655.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 547.89, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 707.89}, "total_of_payments": 19728, "total_of_payments_unrounded": 19724.04}, "disclosure": "Estimated lease payment for stock #MD262518, VIN JM3KKBHA2T1375325. $548 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $708, made up of $548 first payment, $60 title, $100 registration. MSRP $52,670. Lease selling price $46,327. Net capitalized cost $46,922. Residual value $32,655, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,728. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA2T1375325_lease", "type": "lease", "label": "Lease", "headline": {"value": 455, "unit": "per_month", "display": "$455/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52670.0, "selling_price": 46327.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.6, "net_cap_cost": 43923.0, "residual_value": 32655.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.6, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3613.6}, "total_of_payments": 16380, "total_of_payments_unrounded": 16365.6}, "disclosure": "Estimated lease payment for stock #MD262518, VIN JM3KKBHA2T1375325. $455 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,614, made up of $455 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,670. Lease selling price $46,327. Net capitalized cost $43,923. Residual value $32,655, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,380. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 307}}, {"vin": "KM8R5DHE7LU135663", "title": "2020 Hyundai Palisade Limited", "year": 2020, "make": "Hyundai", "model": "Palisade", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 18828.0, "msrp": 18828.0, "sale_price": 19287.0, "currency": "USD", "mileage": 125539, "exterior_color": "Becketts Black", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.8 L/231", "engine_displacement_l": 3.8, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0764A", "stock_status": "Available", "availability": "In Stock", 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"note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8r5dhe7lu135663/2020-hyundai-palisade-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8R5DHE7LU135663.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8R5DHE7LU135663.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8R5DHE7LU135663.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8r5dhe7lu135663/2020-hyundai-palisade-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0764A, VIN KM8R5DHE7LU135663. Advertised price: $18,828. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,828"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18828.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8R5DHE7LU135663_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 470, "unit": "per_month", "display": "$470/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18828.0, "price_incl_doc": 18828.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 469.72, "amount_financed": 20004.75, "sales_tax": 1176.75, "total_of_payments": 22546.58, "finance_charge": 2541.83, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0764A, VIN KM8R5DHE7LU135663. $470 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,828, before any dealer documentation fee. Amount financed $20,005, including $1,177 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $22,547. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8R5DHE7LU135663_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18828.0, "price_incl_doc": 18828.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 391.32, "amount_financed": 20004.75, "sales_tax": 1176.75, "total_of_payments": 23479.33, "finance_charge": 3474.58, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0764A, VIN KM8R5DHE7LU135663. $391 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,828, before any dealer documentation fee. Amount financed $20,005, including $1,177 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $23,479. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8R5DHE7LU135663_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 341, "unit": "per_month", "display": "$341/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18828.0, "price_incl_doc": 18828.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 340.97, "amount_financed": 20004.75, "sales_tax": 1176.75, "total_of_payments": 24549.48, "finance_charge": 4544.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0764A, VIN KM8R5DHE7LU135663. $341 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,828, before any dealer documentation fee. Amount financed $20,005, including $1,177 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $24,549. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 231}}, {"vin": "JM3KMCHA5T0185508", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36235.0, "msrp": 36235.0, "sale_price": 36385.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA5T0185508", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0185508_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36235.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0185508/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0185508/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA5T0185508.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0185508.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0185508.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0185508/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. Advertised price: $36,235. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,235"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36235.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0185508_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 735, "unit": "per_month", "display": "$735/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36235.0, "price_incl_doc": 36235.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 735.21, "amount_financed": 38499.69, "sales_tax": 2264.69, "total_of_payments": 44112.67, "finance_charge": 5612.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. $735 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,235, before any dealer documentation fee. Amount financed $38,500, including $2,265 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,113. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0185508_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 638, "unit": "per_month", "display": "$638/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36235.0, "price_incl_doc": 36235.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 637.87, "amount_financed": 38499.69, "sales_tax": 2264.69, "total_of_payments": 45926.59, "finance_charge": 7426.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. $638 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,235, before any dealer documentation fee. Amount financed $38,500, including $2,265 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,927. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0185508_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 572, "unit": "per_month", "display": "$572/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36235.0, "price_incl_doc": 36235.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 571.51, "amount_financed": 38499.69, "sales_tax": 2264.69, "total_of_payments": 48007.04, "finance_charge": 9507.35, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. $572 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,235, before any dealer documentation fee. Amount financed $38,500, including $2,265 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,007. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0185508_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36235.0, "selling_price": 36235.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.45, "net_cap_cost": 36830.0, "residual_value": 22465.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 678.45}, "total_of_payments": 18648, "total_of_payments_unrounded": 18664.2}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. $518 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $678, made up of $518 first payment, $60 title, $100 registration. MSRP $36,235. Lease selling price $36,235. Net capitalized cost $36,830. Residual value $22,466, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,648. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0185508_lease", "type": "lease", "label": "Lease", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36235.0, "selling_price": 36235.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 425.16, "net_cap_cost": 33831.0, "residual_value": 22465.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 425.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3584.16}, "total_of_payments": 15300, "total_of_payments_unrounded": 15305.76}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0185508, VIN JM3KMCHA5T0185508. $425 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,584, made up of $425 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,235. Lease selling price $36,235. Net capitalized cost $33,831. Residual value $22,466, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,300. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 277}}, {"vin": "7SAXCDE56RF445880", "title": "2024 Tesla Model X Base", "year": 2024, "make": "Tesla", "model": "Model X", "trim": "Base", "decoded_trim": null, "condition": "used", "price": 66203.0, "msrp": 65790.0, "sale_price": 64530.0, "currency": "USD", "mileage": 22731, "exterior_color": "Ultra Red", "interior_color": "Cream", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Electric Fuel System", "doors": 4, "seating_capacity": null, "engine": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $911. This offer applies to Stock #MD262894, VIN JM3KMBHA3T0163257. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,040. Advertised price: $33,129. Savings: $911, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,040"}, {"label": "Advertised price", "value": "$33,129"}, {"label": "Savings", "value": "$911, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $911", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33129.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA3T0163257_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 672, "unit": "per_month", "display": "$672/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33129.0, "price_incl_doc": 33129.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 672.19, "amount_financed": 35199.56, "sales_tax": 2070.56, "total_of_payments": 40331.4, "finance_charge": 5131.84, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262894, VIN JM3KMBHA3T0163257. $672 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,129, before any dealer documentation fee. Amount financed $35,200, including $2,071 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,331. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0163257_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33129.0, "price_incl_doc": 33129.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.19, "amount_financed": 35199.56, "sales_tax": 2070.56, "total_of_payments": 41989.84, "finance_charge": 6790.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262894, VIN JM3KMBHA3T0163257. $583 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,129, before any dealer documentation fee. Amount financed $35,200, including $2,071 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,990. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0163257_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33129.0, "price_incl_doc": 33129.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 522.52, "amount_financed": 35199.56, "sales_tax": 2070.56, "total_of_payments": 43891.95, "finance_charge": 8692.39, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262894, VIN JM3KMBHA3T0163257. $523 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,129, before any dealer documentation fee. Amount financed $35,200, including $2,071 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,892. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0163257_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34040.0, "selling_price": 33129.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.83, "net_cap_cost": 33724.0, "residual_value": 21104.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.83, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 619.83}, "total_of_payments": 16560, "total_of_payments_unrounded": 16553.88}, "disclosure": "Estimated lease payment for stock #MD262894, VIN JM3KMBHA3T0163257. $460 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $620, made up of $460 first payment, $60 title, $100 registration. MSRP $34,040. Lease selling price $33,129. Net capitalized cost $33,724. Residual value $21,105, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0163257_lease", "type": "lease", "label": "Lease", "headline": {"value": 367, "unit": "per_month", "display": "$367/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34040.0, "selling_price": 33129.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 366.53, "net_cap_cost": 30725.0, "residual_value": 21104.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 366.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3525.53}, "total_of_payments": 13212, "total_of_payments_unrounded": 13195.08}, "disclosure": "Estimated lease payment for stock #MD262894, VIN JM3KMBHA3T0163257. $367 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,526, made up of $367 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,040. Lease selling price $33,129. Net capitalized cost $30,725. Residual value $21,105, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,212. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 215}}, {"vin": "JM3KMCHA2T0194232", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 35790.0, "msrp": 35790.0, "sale_price": 35790.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA2T0194232", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0194232_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35790.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0194232/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0194232/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA2T0194232.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0194232.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0194232.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0194232/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. Advertised price: $35,790. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,790"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35790.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0194232_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 726, "unit": "per_month", "display": "$726/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35790.0, "price_incl_doc": 35790.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 726.18, "amount_financed": 38026.88, "sales_tax": 2236.88, "total_of_payments": 43570.93, "finance_charge": 5544.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. $726 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,790, before any dealer documentation fee. Amount financed $38,027, including $2,237 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,571. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0194232_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 630, "unit": "per_month", "display": "$630/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35790.0, "price_incl_doc": 35790.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.04, "amount_financed": 38026.88, "sales_tax": 2236.88, "total_of_payments": 45362.57, "finance_charge": 7335.69, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. $630 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,790, before any dealer documentation fee. Amount financed $38,027, including $2,237 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,363. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0194232_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35790.0, "price_incl_doc": 35790.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 564.49, "amount_financed": 38026.88, "sales_tax": 2236.88, "total_of_payments": 47417.47, "finance_charge": 9390.59, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. $564 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,790, before any dealer documentation fee. Amount financed $38,027, including $2,237 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,417. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0194232_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 512, "unit": "per_month", "display": "$512/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35790.0, "selling_price": 35790.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 512.31, "net_cap_cost": 36385.0, "residual_value": 22189.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 512.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 672.31}, "total_of_payments": 18432, "total_of_payments_unrounded": 18443.16}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. $512 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $672, made up of $512 first payment, $60 title, $100 registration. MSRP $35,790. Lease selling price $35,790. Net capitalized cost $36,385. Residual value $22,190, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,432. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0194232_lease", "type": "lease", "label": "Lease", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35790.0, "selling_price": 35790.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 419.02, "net_cap_cost": 33386.0, "residual_value": 22189.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 419.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3578.02}, "total_of_payments": 15084, "total_of_payments_unrounded": 15084.72}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0194232, VIN JM3KMCHA2T0194232. $419 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,578, made up of $419 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,790. Lease selling price $35,790. Net capitalized cost $33,386. Residual value $22,190, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,084. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 198}}, {"vin": "JM3KMEHA7T0175221", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41655.0, "msrp": 41655.0, "sale_price": 41655.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA7T0175221", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMEHA7T0175221_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41655.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha7t0175221/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha7t0175221/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA7T0175221.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA7T0175221.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA7T0175221.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha7t0175221/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. Advertised price: $41,655. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,655"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41655.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA7T0175221_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 845, "unit": "per_month", "display": "$845/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41655.0, "price_incl_doc": 41655.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.18, "amount_financed": 44258.44, "sales_tax": 2603.44, "total_of_payments": 50711.0, "finance_charge": 6452.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. $845 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,655, before any dealer documentation fee. Amount financed $44,258, including $2,603 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,711. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA7T0175221_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41655.0, "price_incl_doc": 41655.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.28, "amount_financed": 44258.44, "sales_tax": 2603.44, "total_of_payments": 52796.25, "finance_charge": 8537.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. $733 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,655, before any dealer documentation fee. Amount financed $44,258, including $2,603 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,796. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA7T0175221_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 657, "unit": "per_month", "display": "$657/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41655.0, "price_incl_doc": 41655.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.0, "amount_financed": 44258.44, "sales_tax": 2603.44, "total_of_payments": 55187.89, "finance_charge": 10929.45, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. $657 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,655, before any dealer documentation fee. Amount financed $44,258, including $2,603 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,188. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA7T0175221_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41655.0, "selling_price": 41655.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 593.23, "net_cap_cost": 42250.0, "residual_value": 25826.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 593.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 753.23}, "total_of_payments": 21348, "total_of_payments_unrounded": 21356.28}, "disclosure": "Estimated lease payment for stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. $593 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $753, made up of $593 first payment, $60 title, $100 registration. MSRP $41,655. Lease selling price $41,655. Net capitalized cost $42,250. Residual value $25,826, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,348. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA7T0175221_lease", "type": "lease", "label": "Lease", "headline": {"value": 500, "unit": "per_month", "display": "$500/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41655.0, "selling_price": 41655.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 499.94, "net_cap_cost": 39251.0, "residual_value": 25826.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 499.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3658.94}, "total_of_payments": 18000, "total_of_payments_unrounded": 17997.84}, "disclosure": "Estimated lease payment for stock #JM3KMEHA7T0175221, VIN JM3KMEHA7T0175221. $500 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,659, made up of $500 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,655. Lease selling price $41,655. Net capitalized cost $39,251. Residual value $25,826, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,000. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 181}}, {"vin": "3MVDMBEY4TM142559", "title": "2026 Mazda CX-30 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus Package", "condition": "new", "price": 38167.0, "msrp": 40295.0, "sale_price": 38167.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black/Purewhite Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": 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"Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbey4tm142559/2026-mazda-cx-30-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBEY4TM142559.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBEY4TM142559.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBEY4TM142559.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbey4tm142559/2026-mazda-cx-30-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,128. This offer applies to Stock #NRMD262740, VIN 3MVDMBEY4TM142559. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,295. Advertised price: $38,167. Savings: $2,128, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,295"}, {"label": "Advertised price", "value": "$38,167"}, {"label": "Savings", "value": "$2,128, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,128", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38167.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBEY4TM142559_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38167.0, "price_incl_doc": 38167.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.02, "amount_financed": 40552.44, "sales_tax": 2385.44, "total_of_payments": 42541.25, "finance_charge": 1988.81, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262740, VIN 3MVDMBEY4TM142559. $709 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $38,167, before any dealer documentation fee. Amount financed $40,552, including $2,385 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $42,541. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY4TM142559_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 602, "unit": "per_month", "display": "$602/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38167.0, "price_incl_doc": 38167.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.98, "amount_financed": 40552.44, "sales_tax": 2385.44, "total_of_payments": 50566.7, "finance_charge": 10014.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262740, VIN 3MVDMBEY4TM142559. $602 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,167, before any dealer documentation fee. Amount financed $40,552, including $2,385 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,567. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY4TM142559_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 508, "unit": "per_month", "display": "$508/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40295.0, "selling_price": 38167.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 508.27, "net_cap_cost": 38762.0, "residual_value": 24982.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 508.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 668.27}, "total_of_payments": 18288, "total_of_payments_unrounded": 18297.72}, "disclosure": "Estimated lease payment for stock #NRMD262740, VIN 3MVDMBEY4TM142559. $508 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $668, made up of $508 first payment, $60 title, $100 registration. MSRP $40,295. Lease selling price $38,167. Net capitalized cost $38,762. Residual value $24,983, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,288. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY4TM142559_lease", "type": "lease", "label": "Lease", "headline": {"value": 415, "unit": "per_month", "display": "$415/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40295.0, "selling_price": 38167.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 414.98, "net_cap_cost": 35763.0, "residual_value": 24982.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 414.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3573.98}, "total_of_payments": 14940, "total_of_payments_unrounded": 14939.28}, "disclosure": "Estimated lease payment for stock #NRMD262740, VIN 3MVDMBEY4TM142559. $415 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,574, made up of $415 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,295. Lease selling price $38,167. Net capitalized cost $35,763. Residual value $24,983, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,940. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 176}}, {"vin": "3MVDMBCL8TM221479", "title": "2026 Mazda CX-30 2.5 S Carbon Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Carbon Edition AWD", "decoded_trim": "Preferred Package/Carbon Edition", "condition": "new", "price": 33280.0, "msrp": 33280.0, "sale_price": 33280.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Red/Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBCL8TM221479", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL8TM221479_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Preferred Package/Carbon Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33280.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl8tm221479/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl8tm221479/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBCL8TM221479.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL8TM221479.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL8TM221479.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl8tm221479/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBCL8TM221479, VIN 3MVDMBCL8TM221479. Advertised price: $33,280. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,280"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33280.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL8TM221479_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33280.0, "price_incl_doc": 33280.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.24, "amount_financed": 35360.0, "sales_tax": 2080.0, "total_of_payments": 37094.15, "finance_charge": 1734.15, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL8TM221479, VIN 3MVDMBCL8TM221479. $618 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $33,280, before any dealer documentation fee. Amount financed $35,360, including $2,080 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $37,094. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL8TM221479_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33280.0, "price_incl_doc": 33280.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 524.9, "amount_financed": 35360.0, "sales_tax": 2080.0, "total_of_payments": 44092.01, "finance_charge": 8732.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL8TM221479, VIN 3MVDMBCL8TM221479. $525 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,280, before any dealer documentation fee. Amount financed $35,360, including $2,080 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,092. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL8TM221479_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 478, "unit": "per_month", "display": "$478/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33280.0, "selling_price": 33280.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 477.68, "net_cap_cost": 33875.0, "residual_value": 20633.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 477.68, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 637.68}, "total_of_payments": 17208, "total_of_payments_unrounded": 17196.48}, "disclosure": "Estimated lease payment for stock #3MVDMBCL8TM221479, VIN 3MVDMBCL8TM221479. $478 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $638, made up of $478 first payment, $60 title, $100 registration. MSRP $33,280. Lease selling price $33,280. Net capitalized cost $33,875. Residual value $20,634, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,208. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL8TM221479_lease", "type": "lease", "label": "Lease", "headline": {"value": 384, "unit": "per_month", "display": "$384/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33280.0, "selling_price": 33280.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 384.39, "net_cap_cost": 30876.0, "residual_value": 20633.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 384.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3543.39}, "total_of_payments": 13824, "total_of_payments_unrounded": 13838.04}, "disclosure": "Estimated lease payment for stock #3MVDMBCL8TM221479, VIN 3MVDMBCL8TM221479. $384 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,543, made up of $384 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,280. Lease selling price $33,280. Net capitalized cost $30,876. Residual value $20,634, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,824. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 150}}, {"vin": "JM3KMEHA4T0176598", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41565.0, "msrp": 41565.0, "sale_price": 41565.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", 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"Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha4t0176598/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA4T0176598.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA4T0176598.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA4T0176598.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha4t0176598/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. Advertised price: $41,565. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,565"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41565.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA4T0176598_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 843, "unit": "per_month", "display": "$843/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41565.0, "price_incl_doc": 41565.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 843.36, "amount_financed": 44162.81, "sales_tax": 2597.81, "total_of_payments": 50601.43, "finance_charge": 6438.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. $843 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,565, before any dealer documentation fee. Amount financed $44,163, including $2,598 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,601. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA4T0176598_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 732, "unit": "per_month", "display": "$732/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41565.0, "price_incl_doc": 41565.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.7, "amount_financed": 44162.81, "sales_tax": 2597.81, "total_of_payments": 52682.17, "finance_charge": 8519.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. $732 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,565, before any dealer documentation fee. Amount financed $44,163, including $2,598 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,682. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA4T0176598_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41565.0, "price_incl_doc": 41565.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.58, "amount_financed": 44162.81, "sales_tax": 2597.81, "total_of_payments": 55068.64, "finance_charge": 10905.83, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. $656 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,565, before any dealer documentation fee. Amount financed $44,163, including $2,598 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,069. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA4T0176598_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 592, "unit": "per_month", "display": "$592/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41565.0, "selling_price": 41565.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 591.99, "net_cap_cost": 42160.0, "residual_value": 25770.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 591.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 751.99}, "total_of_payments": 21312, "total_of_payments_unrounded": 21311.64}, "disclosure": "Estimated lease payment for stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. $592 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $752, made up of $592 first payment, $60 title, $100 registration. MSRP $41,565. Lease selling price $41,565. Net capitalized cost $42,160. Residual value $25,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,312. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA4T0176598_lease", "type": "lease", "label": "Lease", "headline": {"value": 499, "unit": "per_month", "display": "$499/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41565.0, "selling_price": 41565.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 498.7, "net_cap_cost": 39161.0, "residual_value": 25770.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3657.7}, "total_of_payments": 17964, "total_of_payments_unrounded": 17953.2}, "disclosure": "Estimated lease payment for stock #JM3KMEHA4T0176598, VIN JM3KMEHA4T0176598. $499 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,658, made up of $499 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,565. Lease selling price $41,565. Net capitalized cost $39,161. Residual value $25,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,964. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 145}}, {"vin": "JM3KMBHA4T0202437", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33945.0, "msrp": 33945.0, "sale_price": 33945.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA4T0202437", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0202437_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33945.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0202437/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0202437/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA4T0202437.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0202437.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0202437.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0202437/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. Advertised price: $33,945. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,945"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33945.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA4T0202437_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 689, "unit": "per_month", "display": "$689/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33945.0, "price_incl_doc": 33945.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 688.75, "amount_financed": 36066.56, "sales_tax": 2121.56, "total_of_payments": 41324.81, "finance_charge": 5258.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. $689 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,945, before any dealer documentation fee. Amount financed $36,067, including $2,122 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,325. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0202437_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 598, "unit": "per_month", "display": "$598/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33945.0, "price_incl_doc": 33945.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 597.56, "amount_financed": 36066.56, "sales_tax": 2121.56, "total_of_payments": 43024.09, "finance_charge": 6957.53, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. $598 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,945, before any dealer documentation fee. Amount financed $36,067, including $2,122 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,024. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0202437_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 535, "unit": "per_month", "display": "$535/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33945.0, "price_incl_doc": 33945.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 535.39, "amount_financed": 36066.56, "sales_tax": 2121.56, "total_of_payments": 44973.05, "finance_charge": 8906.49, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. $535 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,945, before any dealer documentation fee. Amount financed $36,067, including $2,122 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,973. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0202437_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 487, "unit": "per_month", "display": "$487/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33945.0, "selling_price": 33945.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 486.85, "net_cap_cost": 34540.0, "residual_value": 21045.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 486.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 646.85}, "total_of_payments": 17532, "total_of_payments_unrounded": 17526.6}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. $487 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $647, made up of $487 first payment, $60 title, $100 registration. MSRP $33,945. Lease selling price $33,945. Net capitalized cost $34,540. Residual value $21,046, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,532. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0202437_lease", "type": "lease", "label": "Lease", "headline": {"value": 394, "unit": "per_month", "display": "$394/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33945.0, "selling_price": 33945.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 393.56, "net_cap_cost": 31541.0, "residual_value": 21045.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 393.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3552.56}, "total_of_payments": 14184, "total_of_payments_unrounded": 14168.16}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0202437, VIN JM3KMBHA4T0202437. $394 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,553, made up of $394 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,945. Lease selling price $33,945. Net capitalized cost $31,541. Residual value $21,046, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,184. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 116}}, {"vin": "7MMVABBL4TN612490", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34020.0, "msrp": 34020.0, "sale_price": 32563.0, "currency": "USD", "mileage": 2, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, 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"engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34020.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl4tn612490/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl4tn612490/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL4TN612490.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL4TN612490.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL4TN612490.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl4tn612490/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262932, VIN 7MMVABBL4TN612490. Advertised price: $34,020. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,020"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34020.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL4TN612490_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.27, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 41416.11, "finance_charge": 5269.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262932, VIN 7MMVABBL4TN612490. $690 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,416. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL4TN612490_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 599, "unit": "per_month", "display": "$599/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.88, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 43119.15, "finance_charge": 6972.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262932, VIN 7MMVABBL4TN612490. $599 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,119. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL4TN612490_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 537, "unit": "per_month", "display": "$537/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 536.58, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 45072.42, "finance_charge": 8926.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262932, VIN 7MMVABBL4TN612490. $537 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,072. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL4TN612490_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34020.0, "selling_price": 34020.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 487.89, "net_cap_cost": 34615.0, "residual_value": 21092.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 487.89, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 647.89}, "total_of_payments": 17568, "total_of_payments_unrounded": 17564.04}, "disclosure": "Estimated lease payment for stock #MD262932, VIN 7MMVABBL4TN612490. $488 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $648, made up of $488 first payment, $60 title, $100 registration. MSRP $34,020. Lease selling price $34,020. Net capitalized cost $34,615. Residual value $21,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL4TN612490_lease", "type": "lease", "label": "Lease", "headline": {"value": 395, "unit": "per_month", "display": "$395/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34020.0, "selling_price": 34020.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 394.6, "net_cap_cost": 31616.0, "residual_value": 21092.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.6, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.6}, "total_of_payments": 14220, "total_of_payments_unrounded": 14205.6}, "disclosure": "Estimated lease payment for stock #MD262932, VIN 7MMVABBL4TN612490. $395 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,554, made up of $395 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,020. Lease selling price $34,020. Net capitalized cost $31,616. Residual value $21,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,220. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny3t1873271/2026-mazda-mazda3-hatchback-hatchback", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPBNY3T1873271.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY3T1873271.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY3T1873271.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny3t1873271/2026-mazda-mazda3-hatchback-hatchback", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,625. This offer applies to Stock #MD262836, VIN JM1BPBNY3T1873271. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,370. Advertised price: $37,745. Savings: $2,625, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,370"}, {"label": "Advertised price", "value": "$37,745"}, {"label": "Savings", "value": "$2,625, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,625", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37745.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPBNY3T1873271_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 766, "unit": "per_month", "display": "$766/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37745.0, "price_incl_doc": 37745.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 765.85, "amount_financed": 40104.06, "sales_tax": 2359.06, "total_of_payments": 45950.94, "finance_charge": 5846.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262836, VIN JM1BPBNY3T1873271. $766 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,745, before any dealer documentation fee. Amount financed $40,104, including $2,359 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,951. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY3T1873271_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37745.0, "price_incl_doc": 37745.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 664.45, "amount_financed": 40104.06, "sales_tax": 2359.06, "total_of_payments": 47840.46, "finance_charge": 7736.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262836, VIN JM1BPBNY3T1873271. $664 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,745, before any dealer documentation fee. Amount financed $40,104, including $2,359 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,840. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY3T1873271_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 595, "unit": "per_month", "display": "$595/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37745.0, "price_incl_doc": 37745.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.33, "amount_financed": 40104.06, "sales_tax": 2359.06, "total_of_payments": 50007.6, "finance_charge": 9903.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262836, VIN JM1BPBNY3T1873271. $595 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,745, before any dealer documentation fee. Amount financed $40,104, including $2,359 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,008. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY3T1873271_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40370.0, "selling_price": 37745.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.84, "net_cap_cost": 38340.0, "residual_value": 25029.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.84, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 653.84}, "total_of_payments": 17784, "total_of_payments_unrounded": 17778.24}, "disclosure": "Estimated lease payment for stock #MD262836, VIN JM1BPBNY3T1873271. $494 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $654, made up of $494 first payment, $60 title, $100 registration. MSRP $40,370. Lease selling price $37,745. Net capitalized cost $38,340. Residual value $25,029, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY3T1873271_lease", "type": "lease", "label": "Lease", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40370.0, "selling_price": 37745.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.55, "net_cap_cost": 35341.0, "residual_value": 25029.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.55, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.55}, "total_of_payments": 14436, "total_of_payments_unrounded": 14419.8}, "disclosure": "Estimated lease payment for stock #MD262836, VIN JM1BPBNY3T1873271. $401 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,560, made up of $401 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,370. Lease selling price $37,745. Net capitalized cost $35,341. Residual value $25,029, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,436. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha7t0163178/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $918. This offer applies to Stock #MD262895, VIN JM3KMBHA7T0163178. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,345. Advertised price: $33,427. Savings: $918, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,345"}, {"label": "Advertised price", "value": "$33,427"}, {"label": "Savings", "value": "$918, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $918", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA7T0163178_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 678, "unit": "per_month", "display": "$678/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 678.24, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 40694.2, "finance_charge": 5178.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262895, VIN JM3KMBHA7T0163178. $678 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,694. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0163178_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.44, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 42367.55, "finance_charge": 6851.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262895, VIN JM3KMBHA7T0163178. $588 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,368. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0163178_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.22, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 44286.77, "finance_charge": 8770.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262895, VIN JM3KMBHA7T0163178. $527 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,287. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0163178_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34345.0, "selling_price": 33427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.82, "net_cap_cost": 34022.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 623.82}, "total_of_payments": 16704, "total_of_payments_unrounded": 16697.52}, "disclosure": "Estimated lease payment for stock #MD262895, VIN JM3KMBHA7T0163178. $464 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $624, made up of $464 first payment, $60 title, $100 registration. MSRP $34,345. Lease selling price $33,427. Net capitalized cost $34,022. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,704. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0163178_lease", "type": "lease", "label": "Lease", "headline": {"value": 371, "unit": "per_month", "display": "$371/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34345.0, "selling_price": 33427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.52, "net_cap_cost": 31023.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.52}, "total_of_payments": 13356, "total_of_payments_unrounded": 13338.72}, "disclosure": "Estimated lease payment for stock #MD262895, VIN JM3KMBHA7T0163178. $371 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,530, made up of $371 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,345. Lease selling price $33,427. Net capitalized cost $31,023. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,355"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34355.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHAXT0186096_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 697, "unit": "per_month", "display": "$697/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.07, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 41823.95, "finance_charge": 5321.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0186096, VIN JM3KMBHAXT0186096. $697 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,824. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0186096_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.77, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 43543.76, "finance_charge": 7041.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0186096, VIN JM3KMBHAXT0186096. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,544. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0186096_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 542, "unit": "per_month", "display": "$542/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.86, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 45516.26, "finance_charge": 9014.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0186096, VIN JM3KMBHAXT0186096. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,516. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0186096_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 493, "unit": "per_month", "display": "$493/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34355.0, "selling_price": 34355.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 492.51, "net_cap_cost": 34950.0, "residual_value": 21300.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 492.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 652.51}, "total_of_payments": 17748, "total_of_payments_unrounded": 17730.36}, "disclosure": "Estimated lease payment for stock #JM3KMBHAXT0186096, VIN JM3KMBHAXT0186096. $493 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $653, made up of $493 first payment, $60 title, $100 registration. MSRP $34,355. Lease selling price $34,355. Net capitalized cost $34,950. Residual value $21,300, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,748. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0186096_lease", "type": "lease", "label": "Lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34355.0, "selling_price": 34355.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 399.22, "net_cap_cost": 31951.0, "residual_value": 21300.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 399.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3558.22}, "total_of_payments": 14364, "total_of_payments_unrounded": 14371.92}, "disclosure": "Estimated lease payment for stock #JM3KMBHAXT0186096, VIN JM3KMBHAXT0186096. $399 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,558, made up of $399 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,355. Lease selling price $34,355. Net capitalized cost $31,951. Residual value $21,300, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 104}}, {"vin": "JM3KMDHA0T0155225", "title": "2026 Mazda CX-5 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 38298.0, "msrp": 39360.0, "sale_price": 38298.0, "currency": "USD", "mileage": 7, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdha0t0155225/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,062. This offer applies to Stock #MD262863, VIN JM3KMDHA0T0155225. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,360. Advertised price: $38,298. Savings: $1,062, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,360"}, {"label": "Advertised price", "value": "$38,298"}, {"label": "Savings", "value": "$1,062, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,062", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38298.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHA0T0155225_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 777, "unit": "per_month", "display": "$777/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38298.0, "price_incl_doc": 38298.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 777.07, "amount_financed": 40691.63, "sales_tax": 2393.63, "total_of_payments": 46624.18, "finance_charge": 5932.55, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262863, VIN JM3KMDHA0T0155225. $777 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,298, before any dealer documentation fee. Amount financed $40,692, including $2,394 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,624. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0155225_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38298.0, "price_incl_doc": 38298.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 674.19, "amount_financed": 40691.63, "sales_tax": 2393.63, "total_of_payments": 48541.37, "finance_charge": 7849.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262863, VIN JM3KMDHA0T0155225. $674 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,298, before any dealer documentation fee. Amount financed $40,692, including $2,394 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,541. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0155225_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 604, "unit": "per_month", "display": "$604/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38298.0, "price_incl_doc": 38298.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.05, "amount_financed": 40691.63, "sales_tax": 2393.63, "total_of_payments": 50740.27, "finance_charge": 10048.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262863, VIN JM3KMDHA0T0155225. $604 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,298, before any dealer documentation fee. Amount financed $40,692, including $2,394 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,740. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0155225_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39360.0, "selling_price": 38298.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.53, "net_cap_cost": 38893.0, "residual_value": 24403.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.53, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.53}, "total_of_payments": 19044, "total_of_payments_unrounded": 19027.08}, "disclosure": "Estimated lease payment for stock #MD262863, VIN JM3KMDHA0T0155225. $529 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $689, made up of $529 first payment, $60 title, $100 registration. MSRP $39,360. Lease selling price $38,298. Net capitalized cost $38,893. Residual value $24,403, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0155225_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39360.0, "selling_price": 38298.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.24, "net_cap_cost": 35894.0, "residual_value": 24403.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.24, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.24}, "total_of_payments": 15660, "total_of_payments_unrounded": 15668.64}, "disclosure": "Estimated lease payment for stock #MD262863, VIN JM3KMDHA0T0155225. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,360. Lease selling price $38,298. Net capitalized cost $35,894. Residual value $24,403, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 109}}, {"vin": "JM3KKEHA3T1360169", "title": "2026 Mazda CX-90 Plug-In Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90 Plug-In Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 61215.0, "msrp": 61215.0, "sale_price": 54515.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "MD262380", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$61,215"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 61215.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHA3T1360169_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1242, "unit": "per_month", "display": "$1,242/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61215.0, "price_incl_doc": 61215.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1242.06, "amount_financed": 65040.94, "sales_tax": 3825.94, "total_of_payments": 74523.44, "finance_charge": 9482.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262380, VIN JM3KKEHA3T1360169. $1,242 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $61,215, before any dealer documentation fee. Amount financed $65,041, including $3,826 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $74,523. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA3T1360169_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1078, "unit": "per_month", "display": "$1,078/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61215.0, "price_incl_doc": 61215.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1077.61, "amount_financed": 65040.94, "sales_tax": 3825.94, "total_of_payments": 77587.86, "finance_charge": 12546.92, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262380, VIN JM3KKEHA3T1360169. $1,078 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $61,215, before any dealer documentation fee. Amount financed $65,041, including $3,826 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $77,588. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA3T1360169_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 966, "unit": "per_month", "display": "$966/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 61215.0, "price_incl_doc": 61215.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 965.51, "amount_financed": 65040.94, "sales_tax": 3825.94, "total_of_payments": 81102.54, "finance_charge": 16061.6, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262380, VIN JM3KKEHA3T1360169. $966 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $61,215, before any dealer documentation fee. Amount financed $65,041, including $3,826 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $81,103. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA3T1360169_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 863, "unit": "per_month", "display": "$863/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61215.0, "selling_price": 61215.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 863.1, "net_cap_cost": 61810.0, "residual_value": 37953.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 863.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 1023.1}, "total_of_payments": 31068, "total_of_payments_unrounded": 31071.6}, "disclosure": "Estimated lease payment for stock #MD262380, VIN JM3KKEHA3T1360169. $863 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $1,023, made up of $863 first payment, $60 title, $100 registration. MSRP $61,215. Lease selling price $61,215. Net capitalized cost $61,810. Residual value $37,953, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $31,068. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHA3T1360169_lease", "type": "lease", "label": "Lease", "headline": {"value": 770, "unit": "per_month", "display": "$770/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61215.0, "selling_price": 61215.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 769.81, "net_cap_cost": 58811.0, "residual_value": 37953.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 769.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3928.81}, "total_of_payments": 27720, "total_of_payments_unrounded": 27713.16}, "disclosure": "Estimated lease payment for stock #MD262380, VIN JM3KKEHA3T1360169. $770 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,929, made up of $770 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $61,215. Lease selling price $61,215. Net capitalized cost $58,811. Residual value $37,953, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $27,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 102}}, {"vin": "JM3KMBHA7T0170521", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 34975.0, "msrp": 34975.0, "sale_price": 33931.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262906, VIN JM3KMBHA7T0170521. Advertised price: $34,975. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,975"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA7T0170521_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34975.0, "price_incl_doc": 34975.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.65, "amount_financed": 37160.94, "sales_tax": 2185.94, "total_of_payments": 42578.74, "finance_charge": 5417.8, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262906, VIN JM3KMBHA7T0170521. $710 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,975, before any dealer documentation fee. Amount financed $37,161, including $2,186 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,579. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0170521_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34975.0, "price_incl_doc": 34975.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 615.69, "amount_financed": 37160.94, "sales_tax": 2185.94, "total_of_payments": 44329.59, "finance_charge": 7168.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262906, VIN JM3KMBHA7T0170521. $616 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,975, before any dealer documentation fee. Amount financed $37,161, including $2,186 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,330. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0170521_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 552, "unit": "per_month", "display": "$552/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34975.0, "price_incl_doc": 34975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.64, "amount_financed": 37160.94, "sales_tax": 2185.94, "total_of_payments": 46337.69, "finance_charge": 9176.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262906, VIN JM3KMBHA7T0170521. $552 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,975, before any dealer documentation fee. Amount financed $37,161, including $2,186 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,338. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0170521_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 501, "unit": "per_month", "display": "$501/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34975.0, "selling_price": 34975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 501.06, "net_cap_cost": 35570.0, "residual_value": 21684.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 501.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 661.06}, "total_of_payments": 18036, "total_of_payments_unrounded": 18038.16}, "disclosure": "Estimated lease payment for stock #MD262906, VIN JM3KMBHA7T0170521. $501 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $661, made up of $501 first payment, $60 title, $100 registration. MSRP $34,975. Lease selling price $34,975. Net capitalized cost $35,570. Residual value $21,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,036. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA7T0170521_lease", "type": "lease", "label": "Lease", "headline": {"value": 408, "unit": "per_month", "display": "$408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34975.0, "selling_price": 34975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 407.77, "net_cap_cost": 32571.0, "residual_value": 21684.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 407.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3566.77}, "total_of_payments": 14688, "total_of_payments_unrounded": 14679.72}, "disclosure": "Estimated lease payment for stock #MD262906, VIN JM3KMBHA7T0170521. $408 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,567, made up of $408 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,975. Lease selling price $34,975. Net capitalized cost $32,571. Residual value $21,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,688. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 106}}, {"vin": "JM3KKBHA7T1377748", "title": "2026 Mazda CX-90 Plug-In Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-90 Plug-In Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 52775.0, "msrp": 52775.0, "sale_price": 46363.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid 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fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbha7t1377748/2026-mazda-cx-90-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKBHA7T1377748.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHA7T1377748.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHA7T1377748.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbha7t1377748/2026-mazda-cx-90-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262657, VIN JM3KKBHA7T1377748. Advertised price: $52,775. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$52,775"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52775.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKBHA7T1377748_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1071, "unit": "per_month", "display": "$1,071/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52775.0, "price_incl_doc": 52775.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1070.81, "amount_financed": 56073.44, "sales_tax": 3298.44, "total_of_payments": 64248.54, "finance_charge": 8175.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262657, VIN JM3KKBHA7T1377748. $1,071 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,775, before any dealer documentation fee. Amount financed $56,073, including $3,298 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $64,249. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA7T1377748_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 929, "unit": "per_month", "display": "$929/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52775.0, "price_incl_doc": 52775.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 929.03, "amount_financed": 56073.44, "sales_tax": 3298.44, "total_of_payments": 66890.46, "finance_charge": 10817.02, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262657, VIN JM3KKBHA7T1377748. $929 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,775, before any dealer documentation fee. Amount financed $56,073, including $3,298 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,890. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA7T1377748_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 832, "unit": "per_month", "display": "$832/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52775.0, "price_incl_doc": 52775.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 832.39, "amount_financed": 56073.44, "sales_tax": 3298.44, "total_of_payments": 69920.55, "finance_charge": 13847.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262657, VIN JM3KKBHA7T1377748. $832 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,775, before any dealer documentation fee. Amount financed $56,073, including $3,298 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,921. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA7T1377748_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52775.0, "selling_price": 52775.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 746.65, "net_cap_cost": 53370.0, "residual_value": 32720.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 746.65, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 906.65}, "total_of_payments": 26892, "total_of_payments_unrounded": 26879.4}, "disclosure": "Estimated lease payment for stock #MD262657, VIN JM3KKBHA7T1377748. $747 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $907, made up of $747 first payment, $60 title, $100 registration. MSRP $52,775. Lease selling price $52,775. Net capitalized cost $53,370. Residual value $32,720, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,892. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHA7T1377748_lease", "type": "lease", "label": "Lease", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52775.0, "selling_price": 52775.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 653.36, "net_cap_cost": 50371.0, "residual_value": 32720.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 653.36, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3812.36}, "total_of_payments": 23508, "total_of_payments_unrounded": 23520.96}, "disclosure": "Estimated lease payment for stock #MD262657, VIN JM3KKBHA7T1377748. $653 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,812, made up of $653 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,775. Lease selling price $52,775. Net capitalized cost $50,371. Residual value $32,720, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,508. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 100}}, {"vin": "1HGCY2F82RA020175", "title": "2024 Honda Accord Hybrid Touring", "year": 2024, "make": "Honda", "model": "Accord Hybrid", "trim": "Touring", "decoded_trim": "Touring Hybrid, Touring Hybrid w/Out BSI", "condition": "used", "price": 33212.0, "msrp": 32799.0, "sale_price": 32892.0, "currency": "USD", "mileage": 19116, "exterior_color": "Urban Gray Pearl", "interior_color": "Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", 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"price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV1013, VIN 1HGCY2F82RA020175. Advertised price: $33,212. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,212"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33212.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1HGCY2F82RA020175_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 829, "unit": "per_month", "display": "$829/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33212.0, "price_incl_doc": 33212.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 828.57, "amount_financed": 35287.75, "sales_tax": 2075.75, "total_of_payments": 39771.46, "finance_charge": 4483.71, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1013, VIN 1HGCY2F82RA020175. $829 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,212, before any dealer documentation fee. Amount financed $35,288, including $2,076 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,771. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1HGCY2F82RA020175_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33212.0, "price_incl_doc": 33212.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.28, "amount_financed": 35287.75, "sales_tax": 2075.75, "total_of_payments": 41416.8, "finance_charge": 6129.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1013, VIN 1HGCY2F82RA020175. $690 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,212, before any dealer documentation fee. Amount financed $35,288, including $2,076 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,417. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1HGCY2F82RA020175_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33212.0, "price_incl_doc": 33212.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.45, "amount_financed": 35287.75, "sales_tax": 2075.75, "total_of_payments": 43304.52, "finance_charge": 8016.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1013, VIN 1HGCY2F82RA020175. $601 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,212, before any dealer documentation fee. Amount financed $35,288, including $2,076 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $43,305. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "3MVDMBEY3TM141970", "title": "2026 Mazda CX-30 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus Package", "condition": "new", "price": 37779.0, "msrp": 39810.0, "sale_price": 37779.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black/Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262652", "stock_status": "Available", "availability": "In 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,031. This offer applies to Stock #MD262652, VIN 3MVDMBEY3TM141970. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,810. Advertised price: $37,779. Savings: $2,031, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,810"}, {"label": "Advertised price", "value": "$37,779"}, {"label": "Savings", "value": "$2,031, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,031", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37779.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBEY3TM141970_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37779.0, "price_incl_doc": 37779.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.81, "amount_financed": 40140.19, "sales_tax": 2361.19, "total_of_payments": 42108.78, "finance_charge": 1968.59, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262652, VIN 3MVDMBEY3TM141970. $702 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $37,779, before any dealer documentation fee. Amount financed $40,140, including $2,361 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $42,109. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY3TM141970_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37779.0, "price_incl_doc": 37779.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 595.86, "amount_financed": 40140.19, "sales_tax": 2361.19, "total_of_payments": 50052.65, "finance_charge": 9912.46, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262652, VIN 3MVDMBEY3TM141970. $596 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,779, before any dealer documentation fee. Amount financed $40,140, including $2,361 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,053. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY3TM141970_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 505, "unit": "per_month", "display": "$505/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39810.0, "selling_price": 37779.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 504.59, "net_cap_cost": 38374.0, "residual_value": 24682.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 504.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 664.59}, "total_of_payments": 18180, "total_of_payments_unrounded": 18165.24}, "disclosure": "Estimated lease payment for stock #MD262652, VIN 3MVDMBEY3TM141970. $505 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $665, made up of $505 first payment, $60 title, $100 registration. MSRP $39,810. Lease selling price $37,779. Net capitalized cost $38,374. Residual value $24,682, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,180. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY3TM141970_lease", "type": "lease", "label": "Lease", "headline": {"value": 411, "unit": "per_month", "display": "$411/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39810.0, "selling_price": 37779.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 411.3, "net_cap_cost": 35375.0, "residual_value": 24682.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 411.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3570.3}, "total_of_payments": 14796, "total_of_payments_unrounded": 14806.8}, "disclosure": "Estimated lease payment for stock #MD262652, VIN 3MVDMBEY3TM141970. $411 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,570, made up of $411 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,810. Lease selling price $37,779. Net capitalized cost $35,375. Residual value $24,682, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,796. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 97}}, {"vin": "3VV3B7AX8MM048748", "title": "2021 Volkswagen Tiguan SE", "year": 2021, "make": "Volkswagen", "model": "Tiguan", "trim": "SE", "decoded_trim": "SE, SE R-Line Black, SEL", "condition": "used", "price": 21398.0, "msrp": 20985.0, "sale_price": 21989.0, "currency": "USD", "mileage": 55370, "exterior_color": "Pure White", "interior_color": "Titan Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "VD262242A", "stock_status": "Available", "availability": "In 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"price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #VD262242A, VIN 3VV3B7AX8MM048748. Advertised price: $21,398. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,398"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21398.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV3B7AX8MM048748_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21398.0, "price_incl_doc": 21398.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.84, "amount_financed": 22735.38, "sales_tax": 1337.38, "total_of_payments": 25624.17, "finance_charge": 2888.79, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262242A, VIN 3VV3B7AX8MM048748. $534 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,398, before any dealer documentation fee. Amount financed $22,735, including $1,337 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,624. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV3B7AX8MM048748_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 445, "unit": "per_month", "display": "$445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21398.0, "price_incl_doc": 21398.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 444.74, "amount_financed": 22735.38, "sales_tax": 1337.38, "total_of_payments": 26684.24, "finance_charge": 3948.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262242A, VIN 3VV3B7AX8MM048748. $445 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,398, before any dealer documentation fee. Amount financed $22,735, including $1,337 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,684. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV3B7AX8MM048748_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21398.0, "price_incl_doc": 21398.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 387.51, "amount_financed": 22735.38, "sales_tax": 1337.38, "total_of_payments": 27900.47, "finance_charge": 5165.09, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262242A, VIN 3VV3B7AX8MM048748. $388 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,398, before any dealer documentation fee. Amount financed $22,735, including $1,337 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $27,900. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37890.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WA1GABFYXR2000765_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 945, "unit": "per_month", "display": "$945/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37890.0, "price_incl_doc": 37890.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 945.28, "amount_financed": 40258.13, "sales_tax": 2368.13, "total_of_payments": 45373.38, "finance_charge": 5115.25, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1048, VIN WA1GABFYXR2000765. $945 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,890, before any dealer documentation fee. Amount financed $40,258, including $2,368 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,373. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1GABFYXR2000765_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 788, "unit": "per_month", "display": "$788/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37890.0, "price_incl_doc": 37890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 787.51, "amount_financed": 40258.13, "sales_tax": 2368.13, "total_of_payments": 47250.48, "finance_charge": 6992.35, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1048, VIN WA1GABFYXR2000765. $788 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,890, before any dealer documentation fee. Amount financed $40,258, including $2,368 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,250. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 7598.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWLA7AJ6FM305709_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 190, "unit": "per_month", "display": "$190/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7598.0, "price_incl_doc": 7598.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 189.55, "amount_financed": 8072.88, "sales_tax": 474.88, "total_of_payments": 9098.63, "finance_charge": 1025.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261983A, VIN 3VWLA7AJ6FM305709. $190 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $7,598, before any dealer documentation fee. Amount financed $8,073, including $475 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $9,099. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWLA7AJ6FM305709_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 158, "unit": "per_month", "display": "$158/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7598.0, "price_incl_doc": 7598.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 157.92, "amount_financed": 8072.88, "sales_tax": 474.88, "total_of_payments": 9475.04, "finance_charge": 1402.16, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261983A, VIN 3VWLA7AJ6FM305709. $158 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $7,598, before any dealer documentation fee. Amount financed $8,073, including $475 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $9,475. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,160"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39160.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPBEY6T1897497_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 795, "unit": "per_month", "display": "$795/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39160.0, "price_incl_doc": 39160.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 794.56, "amount_financed": 41607.5, "sales_tax": 2447.5, "total_of_payments": 47673.57, "finance_charge": 6066.07, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPBEY6T1897497, VIN JM1BPBEY6T1897497. $795 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,160, before any dealer documentation fee. Amount financed $41,608, including $2,448 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,674. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBEY6T1897497_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 689, "unit": "per_month", "display": "$689/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39160.0, "price_incl_doc": 39160.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 689.36, "amount_financed": 41607.5, "sales_tax": 2447.5, "total_of_payments": 49633.92, "finance_charge": 8026.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPBEY6T1897497, VIN JM1BPBEY6T1897497. $689 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,160, before any dealer documentation fee. Amount financed $41,608, including $2,448 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,634. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBEY6T1897497_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39160.0, "price_incl_doc": 39160.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 617.65, "amount_financed": 41607.5, "sales_tax": 2447.5, "total_of_payments": 51882.31, "finance_charge": 10274.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPBEY6T1897497, VIN JM1BPBEY6T1897497. $618 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,160, before any dealer documentation fee. Amount financed $41,608, including $2,448 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,882. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBEY6T1897497_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39160.0, "selling_price": 39160.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.81, "net_cap_cost": 39755.0, "residual_value": 24279.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 718.81}, "total_of_payments": 20124, "total_of_payments_unrounded": 20117.16}, "disclosure": "Estimated lease payment for stock #JM1BPBEY6T1897497, VIN JM1BPBEY6T1897497. $559 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $719, made up of $559 first payment, $60 title, $100 registration. MSRP $39,160. Lease selling price $39,160. Net capitalized cost $39,755. Residual value $24,279, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,124. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBEY6T1897497_lease", "type": "lease", "label": "Lease", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39160.0, "selling_price": 39160.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.51, "net_cap_cost": 36756.0, "residual_value": 24279.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3624.51}, "total_of_payments": 16776, "total_of_payments_unrounded": 16758.36}, "disclosure": "Estimated lease payment for stock #JM1BPBEY6T1897497, VIN JM1BPBEY6T1897497. $466 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,625, made up of $466 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,160. Lease selling price $39,160. Net capitalized cost $36,756. Residual value $24,279, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,776. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 184}}, {"vin": "JM3KMBHA0T0157349", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33371.0, "msrp": 34275.0, "sale_price": 33371.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha0t0157349/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha0t0157349/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA0T0157349.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA0T0157349.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA0T0157349.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha0t0157349/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $904. This offer applies to Stock #MD262857, VIN JM3KMBHA0T0157349. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,275. Advertised price: $33,371. Savings: $904, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,275"}, {"label": "Advertised price", "value": "$33,371"}, {"label": "Savings", "value": "$904, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $904", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33371.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA0T0157349_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 677, "unit": "per_month", "display": "$677/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33371.0, "price_incl_doc": 33371.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 677.1, "amount_financed": 35456.69, "sales_tax": 2085.69, "total_of_payments": 40626.02, "finance_charge": 5169.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262857, VIN JM3KMBHA0T0157349. $677 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,371, before any dealer documentation fee. Amount financed $35,457, including $2,086 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,626. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0157349_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33371.0, "price_incl_doc": 33371.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.45, "amount_financed": 35456.69, "sales_tax": 2085.69, "total_of_payments": 42296.57, "finance_charge": 6839.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262857, VIN JM3KMBHA0T0157349. $587 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,371, before any dealer documentation fee. Amount financed $35,457, including $2,086 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,297. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0157349_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33371.0, "price_incl_doc": 33371.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.34, "amount_financed": 35456.69, "sales_tax": 2085.69, "total_of_payments": 44212.58, "finance_charge": 8755.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262857, VIN JM3KMBHA0T0157349. $526 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,371, before any dealer documentation fee. Amount financed $35,457, including $2,086 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,213. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0157349_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34275.0, "selling_price": 33371.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.29, "net_cap_cost": 33966.0, "residual_value": 21250.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 623.29}, "total_of_payments": 16668, "total_of_payments_unrounded": 16678.44}, "disclosure": "Estimated lease payment for stock #MD262857, VIN JM3KMBHA0T0157349. $463 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $623, made up of $463 first payment, $60 title, $100 registration. MSRP $34,275. Lease selling price $33,371. Net capitalized cost $33,966. Residual value $21,250, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,668. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0157349_lease", "type": "lease", "label": "Lease", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34275.0, "selling_price": 33371.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 369.99, "net_cap_cost": 30967.0, "residual_value": 21250.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 369.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3528.99}, "total_of_payments": 13320, "total_of_payments_unrounded": 13319.64}, "disclosure": "Estimated lease payment for stock #MD262857, VIN JM3KMBHA0T0157349. $370 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,529, made up of $370 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,275. Lease selling price $33,371. Net capitalized cost $30,967. Residual value $21,250, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 178}}, {"vin": "JM3KKEHCXT1382736", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 55238.0, "msrp": 59805.0, "sale_price": 55238.0, "currency": "USD", "mileage": 7, "exterior_color": "Artisan Red Premium", "interior_color": "White Premium Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262699", "stock_status": 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"vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehcxt1382736/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,567. This offer applies to Stock #MD262699, VIN JM3KKEHCXT1382736. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $59,805. Advertised price: $55,238. Savings: $4,567, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$59,805"}, {"label": "Advertised price", "value": "$55,238"}, {"label": "Savings", "value": "$4,567, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,567", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55238.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHCXT1382736_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1001, "unit": "per_month", "display": "$1,001/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55238.0, "price_incl_doc": 55238.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1000.71, "amount_financed": 58690.38, "sales_tax": 3452.38, "total_of_payments": 60042.82, "finance_charge": 1352.44, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262699, VIN JM3KKEHCXT1382736. $1,001 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,238, before any dealer documentation fee. Amount financed $58,690, including $3,452 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,043. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHCXT1382736_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 871, "unit": "per_month", "display": "$871/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55238.0, "price_incl_doc": 55238.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 871.23, "amount_financed": 58690.38, "sales_tax": 3452.38, "total_of_payments": 73183.74, "finance_charge": 14493.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262699, VIN JM3KKEHCXT1382736. $871 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,238, before any dealer documentation fee. Amount financed $58,690, including $3,452 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,184. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHCXT1382736_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59805.0, "selling_price": 55238.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 701.58, "net_cap_cost": 55833.0, "residual_value": 37079.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 701.58, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 861.58}, "total_of_payments": 25272, "total_of_payments_unrounded": 25256.88}, "disclosure": "Estimated lease payment for stock #MD262699, VIN JM3KKEHCXT1382736. $702 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $862, made up of $702 first payment, $60 title, $100 registration. MSRP $59,805. Lease selling price $55,238. Net capitalized cost $55,833. Residual value $37,079, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHCXT1382736_lease", "type": "lease", "label": "Lease", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59805.0, "selling_price": 55238.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 608.29, "net_cap_cost": 52834.0, "residual_value": 37079.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 608.29, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3767.29}, "total_of_payments": 21888, "total_of_payments_unrounded": 21898.44}, "disclosure": "Estimated lease payment for stock #MD262699, VIN JM3KKEHCXT1382736. $608 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,767, made up of $608 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $59,805. Lease selling price $55,238. Net capitalized cost $52,834. Residual value $37,079, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,888. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 34, "elapsed_ms": 182}}, {"vin": "3VV4B7AX5NM118356", "title": "2022 Volkswagen Tiguan SEL R-Line", "year": 2022, "make": "Volkswagen", "model": "Tiguan", "trim": "SEL R-Line", "decoded_trim": "4Motion SEL Premium R-Line", "condition": "used", "price": 25436.0, "msrp": 25023.0, "sale_price": 24219.0, "currency": "USD", "mileage": 56394, "exterior_color": "Deep Black Pearl", "interior_color": "Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 21, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "VD262299A", "stock_status": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,436"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25436.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4B7AX5NM118356_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 635, "unit": "per_month", "display": "$635/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25436.0, "price_incl_doc": 25436.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.58, "amount_financed": 27025.75, "sales_tax": 1589.75, "total_of_payments": 30459.68, "finance_charge": 3433.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262299A, VIN 3VV4B7AX5NM118356. $635 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,436, before any dealer documentation fee. Amount financed $27,026, including $1,590 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,460. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4B7AX5NM118356_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25436.0, "price_incl_doc": 25436.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.66, "amount_financed": 27025.75, "sales_tax": 1589.75, "total_of_payments": 31719.8, "finance_charge": 4694.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262299A, VIN 3VV4B7AX5NM118356. $529 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,436, before any dealer documentation fee. Amount financed $27,026, including $1,590 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,720. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4B7AX5NM118356_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 461, "unit": "per_month", "display": "$461/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25436.0, "price_incl_doc": 25436.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.63, "amount_financed": 27025.75, "sales_tax": 1589.75, "total_of_payments": 33165.53, "finance_charge": 6139.78, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262299A, VIN 3VV4B7AX5NM118356. $461 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,436, before any dealer documentation fee. Amount financed $27,026, including $1,590 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,166. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KKCHD4T1405280", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 49735.0, "msrp": 49735.0, "sale_price": 49735.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKCHD4T1405280", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1405280_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49735.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1405280/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1405280/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHD4T1405280.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD4T1405280.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD4T1405280.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1405280/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKCHD4T1405280, VIN JM3KKCHD4T1405280. Advertised price: $49,735. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$49,735"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49735.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD4T1405280_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 901, "unit": "per_month", "display": "$901/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49735.0, "price_incl_doc": 49735.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 901.02, "amount_financed": 52843.44, "sales_tax": 3108.44, "total_of_payments": 54061.14, "finance_charge": 1217.7, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD4T1405280, VIN JM3KKCHD4T1405280. $901 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $49,735, before any dealer documentation fee. Amount financed $52,843, including $3,108 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $54,061. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1405280_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 784, "unit": "per_month", "display": "$784/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49735.0, "price_incl_doc": 49735.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 784.44, "amount_financed": 52843.44, "sales_tax": 3108.44, "total_of_payments": 65892.92, "finance_charge": 13049.48, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD4T1405280, VIN JM3KKCHD4T1405280. $784 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,735, before any dealer documentation fee. Amount financed $52,843, including $3,108 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,893. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1405280_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49735.0, "selling_price": 49735.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 704.71, "net_cap_cost": 50330.0, "residual_value": 30835.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 704.71, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 864.71}, "total_of_payments": 25380, "total_of_payments_unrounded": 25369.56}, "disclosure": "Estimated lease payment for stock #JM3KKCHD4T1405280, VIN JM3KKCHD4T1405280. $705 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $865, made up of $705 first payment, $60 title, $100 registration. MSRP $49,735. Lease selling price $49,735. Net capitalized cost $50,330. Residual value $30,836, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,380. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1405280_lease", "type": "lease", "label": "Lease", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49735.0, "selling_price": 49735.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 611.42, "net_cap_cost": 47331.0, "residual_value": 30835.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 611.42, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3770.42}, "total_of_payments": 21996, "total_of_payments_unrounded": 22011.12}, "disclosure": "Estimated lease payment for stock #JM3KKCHD4T1405280, VIN JM3KKCHD4T1405280. $611 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,770, made up of $611 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,735. Lease selling price $49,735. Net capitalized cost $47,331. Residual value $30,836, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,996. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 197}}, {"vin": "1V2HR2CA0RC531198", "title": "2024 Volkswagen Atlas 2.0T SE w/Technology", "year": 2024, "make": "Volkswagen", "model": "Atlas", "trim": "2.0T SE w/Technology", "decoded_trim": "4Motion SE", "condition": "used", "price": 28289.0, "msrp": 27876.0, "sale_price": 27999.0, "currency": "USD", "mileage": 52769, "exterior_color": "Silver", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23658.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23658.0, "price_incl_doc": 23658.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.22, "amount_financed": 25136.63, "sales_tax": 1478.63, "total_of_payments": 28330.52, "finance_charge": 3193.89, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260981A, VIN 4S4WMAMD3M3400278. $590 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,658, before any dealer documentation fee. Amount financed $25,137, including $1,479 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,331. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23658.0, "price_incl_doc": 23658.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.71, "amount_financed": 25136.63, "sales_tax": 1478.63, "total_of_payments": 29502.56, "finance_charge": 4365.93, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260981A, VIN 4S4WMAMD3M3400278. $492 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,658, before any dealer documentation fee. Amount financed $25,137, including $1,479 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,503. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23658.0, "price_incl_doc": 23658.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 428.43, "amount_financed": 25136.63, "sales_tax": 1478.63, "total_of_payments": 30847.24, "finance_charge": 5710.61, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260981A, VIN 4S4WMAMD3M3400278. $428 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,658, before any dealer documentation fee. Amount financed $25,137, including $1,479 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,847. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 9975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9975.0, "price_incl_doc": 9975.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 207.32, "amount_financed": 10598.44, "sales_tax": 623.44, "total_of_payments": 12439.26, "finance_charge": 1840.82, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260161A, VIN KM8SR4HF0EU083827. $207 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $9,975, before any dealer documentation fee. Amount financed $10,598, including $623 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $12,439. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9975.0, "price_incl_doc": 9975.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 180.64, "amount_financed": 10598.44, "sales_tax": 623.44, "total_of_payments": 13006.22, "finance_charge": 2407.78, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260161A, VIN KM8SR4HF0EU083827. $181 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $9,975, before any dealer documentation fee. Amount financed $10,598, including $623 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $13,006. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24925.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4HJXDG3PW523519_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 622, "unit": "per_month", "display": "$622/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24925.0, "price_incl_doc": 24925.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.83, "amount_financed": 26482.81, "sales_tax": 1557.81, "total_of_payments": 29847.75, "finance_charge": 3364.94, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0996, VIN 1C4HJXDG3PW523519. $622 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,925, before any dealer documentation fee. Amount financed $26,483, including $1,558 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,848. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4HJXDG3PW523519_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24925.0, "price_incl_doc": 24925.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.04, "amount_financed": 26482.81, "sales_tax": 1557.81, "total_of_payments": 31082.55, "finance_charge": 4599.74, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0996, VIN 1C4HJXDG3PW523519. $518 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,925, before any dealer documentation fee. Amount financed $26,483, including $1,558 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,083. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17049.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8K6CAB0PU959339_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17049.0, "price_incl_doc": 17049.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.34, "amount_financed": 18114.56, "sales_tax": 1065.56, "total_of_payments": 20416.22, "finance_charge": 2301.66, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260800A, VIN KM8K6CAB0PU959339. $425 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,049, before any dealer documentation fee. Amount financed $18,115, including $1,066 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,416. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8K6CAB0PU959339_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 354, "unit": "per_month", "display": "$354/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17049.0, "price_incl_doc": 17049.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 354.35, "amount_financed": 18114.56, "sales_tax": 1065.56, "total_of_payments": 21260.84, "finance_charge": 3146.28, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260800A, VIN KM8K6CAB0PU959339. $354 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,049, before any dealer documentation fee. Amount financed $18,115, including $1,066 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,261. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8K6CAB0PU959339_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 309, "unit": "per_month", "display": "$309/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17049.0, "price_incl_doc": 17049.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 308.75, "amount_financed": 18114.56, "sales_tax": 1065.56, "total_of_payments": 22229.88, "finance_charge": 4115.32, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260800A, VIN KM8K6CAB0PU959339. $309 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,049, before any dealer documentation fee. Amount financed $18,115, including $1,066 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,230. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 25, "elapsed_ms": 180}}, {"vin": "KMHL64JA6TA570816", "title": "2026 Hyundai Sonata SEL Sport", "year": 2026, "make": "Hyundai", "model": "Sonata", "trim": "SEL Sport", "decoded_trim": "SEL Sport", "condition": "used", "price": 28356.0, "msrp": 27943.0, "sale_price": 28376.0, "currency": "USD", "mileage": 12, "exterior_color": "Serenity White", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Gasoline I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260775", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/95ff820622a84fc0ba4103ca93ccdcb5.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/95ff820622a84fc0ba4103ca93ccdcb5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1f11003872d841858d770d1f959ff2c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/aa456324900248139eb12dc80ef459ac.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/103e4a507dcf4283b3f9de21f4f7e6c3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7cd5bc2653e644279af446c73d83eecc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a1bc7834bdb4e8fa190194d56517cfa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/99f58ab3026a4b988e4e79d02cdfde62.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0bbba9995bda45b0b6efb3e5f0766fab.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bb71f5dfc33a4d27987f4f8e0a69d590.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2b50e85885ef4fe8aba7aa0017d6df92.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/882eeb4de9034b58933bbbf3bf7bbd1e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/493905e59d11451c81aab7b6c14e231e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/302177cbfc02410e877f4271d4dd7a52.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ef1f0c983d047e9b423500f8584f311.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f87350ed39d84e59b57bd0b2781e92e5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5775064942614f578197bbcf9a2f2ed8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18ebc919d22646b9a1f0f48cf13914cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf077475693c47499a69459da5af1f46.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7960e185236d4e70ba1beaa24b7f230e.jpg"], "vin_decode": {"make": "Hyundai", "model": "Sonata", "year": 2026, "trim": "SEL Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": null, "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27943.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KMHL64JA6TA570816.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhl64ja6ta570816/2026-hyundai-sonata-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhl64ja6ta570816/2026-hyundai-sonata-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KMHL64JA6TA570816.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KMHL64JA6TA570816.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KMHL64JA6TA570816.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmhl64ja6ta570816/2026-hyundai-sonata-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,356"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28356.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHL64JA6TA570816_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 707, "unit": "per_month", "display": "$707/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28356.0, "price_incl_doc": 28356.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.42, "amount_financed": 30128.25, "sales_tax": 1772.25, "total_of_payments": 33956.39, "finance_charge": 3828.14, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260775, VIN KMHL64JA6TA570816. $707 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $28,356, before any dealer documentation fee. Amount financed $30,128, including $1,772 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,956. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHL64JA6TA570816_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28356.0, "price_incl_doc": 28356.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.35, "amount_financed": 30128.25, "sales_tax": 1772.25, "total_of_payments": 35361.16, "finance_charge": 5232.91, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260775, VIN KMHL64JA6TA570816. $589 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $28,356, before any dealer documentation fee. Amount financed $30,128, including $1,772 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $35,361. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHL64JA6TA570816_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28356.0, "price_incl_doc": 28356.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 513.51, "amount_financed": 30128.25, "sales_tax": 1772.25, "total_of_payments": 36972.87, "finance_charge": 6844.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260775, VIN KMHL64JA6TA570816. $514 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $28,356, before any dealer documentation fee. Amount financed $30,128, including $1,772 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,973. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJE3DE1RH308014_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26774.0, "price_incl_doc": 26774.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 556.47, "amount_financed": 28447.38, "sales_tax": 1673.38, "total_of_payments": 33388.34, "finance_charge": 4940.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261957A, VIN 5NMJE3DE1RH308014. $556 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,774, before any dealer documentation fee. Amount financed $28,447, including $1,673 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,388. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJE3DE1RH308014_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26774.0, "price_incl_doc": 26774.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.86, "amount_financed": 28447.38, "sales_tax": 1673.38, "total_of_payments": 34910.13, "finance_charge": 6462.75, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261957A, VIN 5NMJE3DE1RH308014. $485 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,774, before any dealer documentation fee. Amount financed $28,447, including $1,673 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,910. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42807.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJCHFXT1351844_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 869, "unit": "per_month", "display": "$869/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42807.0, "price_incl_doc": 42807.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 868.56, "amount_financed": 45482.44, "sales_tax": 2675.44, "total_of_payments": 52113.45, "finance_charge": 6631.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262730, VIN JM3KJCHFXT1351844. $869 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,807, before any dealer documentation fee. Amount financed $45,482, including $2,675 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,113. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHFXT1351844_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42807.0, "price_incl_doc": 42807.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.56, "amount_financed": 45482.44, "sales_tax": 2675.44, "total_of_payments": 54256.37, "finance_charge": 8773.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262730, VIN JM3KJCHFXT1351844. $754 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,807, before any dealer documentation fee. Amount financed $45,482, including $2,675 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,256. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHFXT1351844_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 675, "unit": "per_month", "display": "$675/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42807.0, "price_incl_doc": 42807.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.17, "amount_financed": 45482.44, "sales_tax": 2675.44, "total_of_payments": 56714.15, "finance_charge": 11231.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262730, VIN JM3KJCHFXT1351844. $675 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,807, before any dealer documentation fee. Amount financed $45,482, including $2,675 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,714. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHFXT1351844_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 501, "unit": "per_month", "display": "$501/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49040.0, "selling_price": 42807.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 501.23, "net_cap_cost": 43402.0, "residual_value": 30404.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 501.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 661.23}, "total_of_payments": 18036, "total_of_payments_unrounded": 18044.28}, "disclosure": "Estimated lease payment for stock #NRMD262730, VIN JM3KJCHFXT1351844. $501 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $661, made up of $501 first payment, $60 title, $100 registration. MSRP $49,040. Lease selling price $42,807. Net capitalized cost $43,402. Residual value $30,405, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,036. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHFXT1351844_lease", "type": "lease", "label": "Lease", "headline": {"value": 408, "unit": "per_month", "display": "$408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49040.0, "selling_price": 42807.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 407.94, "net_cap_cost": 40403.0, "residual_value": 30404.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 407.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3566.94}, "total_of_payments": 14688, "total_of_payments_unrounded": 14685.84}, "disclosure": "Estimated lease payment for stock #NRMD262730, VIN JM3KJCHFXT1351844. $408 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,567, made up of $408 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,040. Lease selling price $42,807. Net capitalized cost $40,403. Residual value $30,405, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,688. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 192}}, {"vin": "JM3KMCHA1T0193508", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36605.0, "msrp": 36605.0, "sale_price": 36605.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA1T0193508", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0193508_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36605.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0193508/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0193508/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA1T0193508.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA1T0193508.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA1T0193508.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0193508/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. Advertised price: $36,605. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,605"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36605.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA1T0193508_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 743, "unit": "per_month", "display": "$743/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36605.0, "price_incl_doc": 36605.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 742.72, "amount_financed": 38892.81, "sales_tax": 2287.81, "total_of_payments": 44563.1, "finance_charge": 5670.29, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. $743 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,605, before any dealer documentation fee. Amount financed $38,893, including $2,288 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,563. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0193508_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36605.0, "price_incl_doc": 36605.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 644.38, "amount_financed": 38892.81, "sales_tax": 2287.81, "total_of_payments": 46395.55, "finance_charge": 7502.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. $644 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,605, before any dealer documentation fee. Amount financed $38,893, including $2,288 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,396. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0193508_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36605.0, "price_incl_doc": 36605.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 577.35, "amount_financed": 38892.81, "sales_tax": 2287.81, "total_of_payments": 48497.24, "finance_charge": 9604.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. $577 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,605, before any dealer documentation fee. Amount financed $38,893, including $2,288 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,497. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0193508_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36605.0, "selling_price": 36605.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 523.55, "net_cap_cost": 37200.0, "residual_value": 22695.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 523.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 683.55}, "total_of_payments": 18864, "total_of_payments_unrounded": 18847.8}, "disclosure": "Estimated lease payment for stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. $524 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $684, made up of $524 first payment, $60 title, $100 registration. MSRP $36,605. Lease selling price $36,605. Net capitalized cost $37,200. Residual value $22,695, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,864. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0193508_lease", "type": "lease", "label": "Lease", "headline": {"value": 430, "unit": "per_month", "display": "$430/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36605.0, "selling_price": 36605.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 430.26, "net_cap_cost": 34201.0, "residual_value": 22695.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 430.26, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3589.26}, "total_of_payments": 15480, "total_of_payments_unrounded": 15489.36}, "disclosure": "Estimated lease payment for stock #JM3KMCHA1T0193508, VIN JM3KMCHA1T0193508. $430 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,589, made up of $430 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,605. Lease selling price $36,605. Net capitalized cost $34,201. Residual value $22,695, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,480. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 171}}, {"vin": "5XYP6DGC9RG412557", "title": "2024 Kia Telluride S", "year": 2024, "make": "Kia", "model": "Telluride", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 34225.0, "msrp": 33812.0, "sale_price": 34890.0, "currency": "USD", "mileage": 21158, "exterior_color": "Dark Moss", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded 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"price_history": [], "window_sticker": {"msrp": 33812.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5XYP6DGC9RG412557.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5xyp6dgc9rg412557/2024-kia-telluride-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5xyp6dgc9rg412557/2024-kia-telluride-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5XYP6DGC9RG412557.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5XYP6DGC9RG412557.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5XYP6DGC9RG412557.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5xyp6dgc9rg412557/2024-kia-telluride-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV0957, VIN 5XYP6DGC9RG412557. Advertised price: $34,225. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,225"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34225.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYP6DGC9RG412557_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 854, "unit": "per_month", "display": "$854/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34225.0, "price_incl_doc": 34225.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 853.84, "amount_financed": 36364.06, "sales_tax": 2139.06, "total_of_payments": 40984.53, "finance_charge": 4620.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0957, VIN 5XYP6DGC9RG412557. $854 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,225, before any dealer documentation fee. Amount financed $36,364, including $2,139 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,985. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP6DGC9RG412557_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 711, "unit": "per_month", "display": "$711/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34225.0, "price_incl_doc": 34225.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.33, "amount_financed": 36364.06, "sales_tax": 2139.06, "total_of_payments": 42680.06, "finance_charge": 6316.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0957, VIN 5XYP6DGC9RG412557. $711 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,225, before any dealer documentation fee. Amount financed $36,364, including $2,139 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,680. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYP6DGC9RG412557_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34225.0, "price_incl_doc": 34225.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 619.8, "amount_financed": 36364.06, "sales_tax": 2139.06, "total_of_payments": 44625.35, "finance_charge": 8261.29, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0957, VIN 5XYP6DGC9RG412557. $620 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,225, before any dealer documentation fee. Amount financed $36,364, including $2,139 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,625. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,103. This offer applies to Stock #MD262318, VIN 3MVDMBEY7TM111452. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,170. Advertised price: $38,067. Savings: $2,103, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,170"}, {"label": "Advertised price", "value": "$38,067"}, {"label": "Savings", "value": "$2,103, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,103", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38067.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBEY7TM111452_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 707, "unit": "per_month", "display": "$707/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38067.0, "price_incl_doc": 38067.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 707.16, "amount_financed": 40446.19, "sales_tax": 2379.19, "total_of_payments": 42429.79, "finance_charge": 1983.6, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262318, VIN 3MVDMBEY7TM111452. $707 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $38,067, before any dealer documentation fee. Amount financed $40,446, including $2,379 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $42,430. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY7TM111452_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 600, "unit": "per_month", "display": "$600/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38067.0, "price_incl_doc": 38067.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.41, "amount_financed": 40446.19, "sales_tax": 2379.19, "total_of_payments": 50434.22, "finance_charge": 9988.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262318, VIN 3MVDMBEY7TM111452. $600 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,067, before any dealer documentation fee. Amount financed $40,446, including $2,379 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,434. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY7TM111452_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40170.0, "selling_price": 38067.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 507.32, "net_cap_cost": 38662.0, "residual_value": 24905.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 507.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 667.32}, "total_of_payments": 18252, "total_of_payments_unrounded": 18263.52}, "disclosure": "Estimated lease payment for stock #MD262318, VIN 3MVDMBEY7TM111452. $507 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $667, made up of $507 first payment, $60 title, $100 registration. MSRP $40,170. Lease selling price $38,067. Net capitalized cost $38,662. Residual value $24,905, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,252. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBEY7TM111452_lease", "type": "lease", "label": "Lease", "headline": {"value": 414, "unit": "per_month", "display": "$414/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40170.0, "selling_price": 38067.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 414.03, "net_cap_cost": 35663.0, "residual_value": 24905.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 414.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3573.03}, "total_of_payments": 14904, "total_of_payments_unrounded": 14905.08}, "disclosure": "Estimated lease payment for stock #MD262318, VIN 3MVDMBEY7TM111452. $414 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,573, made up of $414 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,170. Lease selling price $38,067. Net capitalized cost $35,663. Residual value $24,905, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,904. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 168}}, {"vin": "JM3KKEHC8T1387000", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 55238.0, "msrp": 59805.0, "sale_price": 55238.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "White Premium Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "NRMD262718", "stock_status": 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc8t1387000/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHC8T1387000.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC8T1387000.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC8T1387000.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc8t1387000/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,567. This offer applies to Stock #NRMD262718, VIN JM3KKEHC8T1387000. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $59,805. Advertised price: $55,238. Savings: $4,567, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$59,805"}, {"label": "Advertised price", "value": "$55,238"}, {"label": "Savings", "value": "$4,567, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,567", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55238.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC8T1387000_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1001, "unit": "per_month", "display": "$1,001/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55238.0, "price_incl_doc": 55238.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1000.71, "amount_financed": 58690.38, "sales_tax": 3452.38, "total_of_payments": 60042.82, "finance_charge": 1352.44, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262718, VIN JM3KKEHC8T1387000. $1,001 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,238, before any dealer documentation fee. Amount financed $58,690, including $3,452 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,043. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1387000_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 871, "unit": "per_month", "display": "$871/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55238.0, "price_incl_doc": 55238.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 871.23, "amount_financed": 58690.38, "sales_tax": 3452.38, "total_of_payments": 73183.74, "finance_charge": 14493.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262718, VIN JM3KKEHC8T1387000. $871 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,238, before any dealer documentation fee. Amount financed $58,690, including $3,452 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,184. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1387000_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59805.0, "selling_price": 55238.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 701.58, "net_cap_cost": 55833.0, "residual_value": 37079.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 701.58, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 861.58}, "total_of_payments": 25272, "total_of_payments_unrounded": 25256.88}, "disclosure": "Estimated lease payment for stock #NRMD262718, VIN JM3KKEHC8T1387000. $702 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $862, made up of $702 first payment, $60 title, $100 registration. MSRP $59,805. Lease selling price $55,238. Net capitalized cost $55,833. Residual value $37,079, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1387000_lease", "type": "lease", "label": "Lease", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59805.0, "selling_price": 55238.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 608.29, "net_cap_cost": 52834.0, "residual_value": 37079.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 608.29, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3767.29}, "total_of_payments": 21888, "total_of_payments_unrounded": 21898.44}, "disclosure": "Estimated lease payment for stock #NRMD262718, VIN JM3KKEHC8T1387000. $608 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,767, made up of $608 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $59,805. Lease selling price $55,238. Net capitalized cost $52,834. Residual value $37,079, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,888. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 170}}, {"vin": "JM1BPACL7T1895890", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 29050.0, "msrp": 29050.0, "sale_price": 29050.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Greige Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPACL7T1895890", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL7T1895890_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29050.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl7t1895890/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl7t1895890/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACL7T1895890.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL7T1895890.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL7T1895890.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl7t1895890/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. Advertised price: $29,050. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,050"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29050.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACL7T1895890_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.43, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 35365.62, "finance_charge": 4499.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. $589 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,366. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL7T1895890_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 511, "unit": "per_month", "display": "$511/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 511.39, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 36819.86, "finance_charge": 5954.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. $511 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL7T1895890_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 458.19, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 38487.77, "finance_charge": 7622.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. $458 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,488. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL7T1895890_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29050.0, "selling_price": 29050.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 419.32, "net_cap_cost": 29645.0, "residual_value": 18011.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 419.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 579.32}, "total_of_payments": 15084, "total_of_payments_unrounded": 15095.52}, "disclosure": "Estimated lease payment for stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. $419 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $579, made up of $419 first payment, $60 title, $100 registration. MSRP $29,050. Lease selling price $29,050. Net capitalized cost $29,645. Residual value $18,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,084. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL7T1895890_lease", "type": "lease", "label": "Lease", "headline": {"value": 326, "unit": "per_month", "display": "$326/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29050.0, "selling_price": 29050.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 326.02, "net_cap_cost": 26646.0, "residual_value": 18011.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 326.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3485.02}, "total_of_payments": 11736, "total_of_payments_unrounded": 11736.72}, "disclosure": "Estimated lease payment for stock #JM1BPACL7T1895890, VIN JM1BPACL7T1895890. $326 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,485, made up of $326 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,050. Lease selling price $29,050. Net capitalized cost $26,646. Residual value $18,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,736. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 171}}, {"vin": "JM3KMCHA6T0171925", "title": "2026 Mazda CX-5 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 36940.0, "msrp": 36940.0, "sale_price": 35899.0, "currency": "USD", "mileage": 2, "exterior_color": "Machine Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36940.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0171925/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0171925/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA6T0171925.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA6T0171925.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA6T0171925.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha6t0171925/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262936, VIN JM3KMCHA6T0171925. Advertised price: $36,940. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,940"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36940.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA6T0171925_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.52, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 44970.94, "finance_charge": 5722.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262936, VIN JM3KMCHA6T0171925. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,971. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0171925_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.28, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 46820.15, "finance_charge": 7571.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262936, VIN JM3KMCHA6T0171925. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0171925_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.63, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 48941.07, "finance_charge": 9692.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262936, VIN JM3KMCHA6T0171925. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,941. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0171925_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.18, "net_cap_cost": 37535.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.18}, "total_of_payments": 19008, "total_of_payments_unrounded": 19014.48}, "disclosure": "Estimated lease payment for stock #MD262936, VIN JM3KMCHA6T0171925. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $37,535. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA6T0171925_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.88, "net_cap_cost": 34536.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.88}, "total_of_payments": 15660, "total_of_payments_unrounded": 15655.68}, "disclosure": "Estimated lease payment for stock #MD262936, VIN JM3KMCHA6T0171925. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $34,536. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 177}}, {"vin": "3MVDMBCL2TM216438", "title": "2026 Mazda CX-30 2.5 S Carbon Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Carbon Edition AWD", "decoded_trim": "Preferred Package/Carbon Edition", "condition": "new", "price": 33390.0, "msrp": 33390.0, "sale_price": 33390.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Red/Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBCL2TM216438", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBCL2TM216438_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Preferred Package/Carbon Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33390.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm216438/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm216438/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBCL2TM216438.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL2TM216438.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL2TM216438.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm216438/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBCL2TM216438, VIN 3MVDMBCL2TM216438. Advertised price: $33,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL2TM216438_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33390.0, "price_incl_doc": 33390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 620.28, "amount_financed": 35476.88, "sales_tax": 2086.88, "total_of_payments": 37216.77, "finance_charge": 1739.89, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL2TM216438, VIN 3MVDMBCL2TM216438. $620 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $33,390, before any dealer documentation fee. Amount financed $35,477, including $2,087 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $37,217. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM216438_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33390.0, "price_incl_doc": 33390.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.64, "amount_financed": 35476.88, "sales_tax": 2086.88, "total_of_payments": 44237.75, "finance_charge": 8760.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL2TM216438, VIN 3MVDMBCL2TM216438. $527 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,390, before any dealer documentation fee. Amount financed $35,477, including $2,087 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,238. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM216438_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 479, "unit": "per_month", "display": "$479/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33390.0, "selling_price": 33390.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 479.2, "net_cap_cost": 33985.0, "residual_value": 20701.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 479.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 639.2}, "total_of_payments": 17244, "total_of_payments_unrounded": 17251.2}, "disclosure": "Estimated lease payment for stock #3MVDMBCL2TM216438, VIN 3MVDMBCL2TM216438. $479 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $639, made up of $479 first payment, $60 title, $100 registration. MSRP $33,390. Lease selling price $33,390. Net capitalized cost $33,985. Residual value $20,702, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,244. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM216438_lease", "type": "lease", "label": "Lease", "headline": {"value": 386, "unit": "per_month", "display": "$386/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33390.0, "selling_price": 33390.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 385.9, "net_cap_cost": 30986.0, "residual_value": 20701.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 385.9, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3544.9}, "total_of_payments": 13896, "total_of_payments_unrounded": 13892.4}, "disclosure": "Estimated lease payment for stock #3MVDMBCL2TM216438, VIN 3MVDMBCL2TM216438. $386 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,545, made up of $386 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,390. Lease selling price $33,390. Net capitalized cost $30,986. Residual value $20,702, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,896. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 35, "elapsed_ms": 172}}, {"vin": "JM3KMCHAXT0193958", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36725.0, "msrp": 36725.0, "sale_price": 36725.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0193958", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0193958_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36725.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0193958/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0193958/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0193958.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0193958.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0193958.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0193958/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. Advertised price: $36,725. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,725"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "features": ["Rain Sensing Wipers", "Side-Impact Airbags", "Push Start", "Heated Seats", "Leather Seats", "Heads-Up Display", "Keyless Ignition", "Power Seats", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Blind Spot Sensors", "Apple CarPlay", "Android Auto", "GPS Navigation", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36725.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0193958_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36725.0, "price_incl_doc": 36725.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.15, "amount_financed": 39020.31, "sales_tax": 2295.31, "total_of_payments": 44709.19, "finance_charge": 5688.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. $745 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,725, before any dealer documentation fee. Amount financed $39,020, including $2,295 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,709. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0193958_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36725.0, "price_incl_doc": 36725.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.5, "amount_financed": 39020.31, "sales_tax": 2295.31, "total_of_payments": 46547.64, "finance_charge": 7527.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,725, before any dealer documentation fee. Amount financed $39,020, including $2,295 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,548. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0193958_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36725.0, "price_incl_doc": 36725.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.24, "amount_financed": 39020.31, "sales_tax": 2295.31, "total_of_payments": 48656.22, "finance_charge": 9635.91, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. $579 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,725, before any dealer documentation fee. Amount financed $39,020, including $2,295 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,656. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0193958_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36725.0, "selling_price": 36725.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 525.21, "net_cap_cost": 37320.0, "residual_value": 22769.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 525.21, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 685.21}, "total_of_payments": 18900, "total_of_payments_unrounded": 18907.56}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. $525 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $685, made up of $525 first payment, $60 title, $100 registration. MSRP $36,725. Lease selling price $36,725. Net capitalized cost $37,320. Residual value $22,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0193958_lease", "type": "lease", "label": "Lease", "headline": {"value": 432, "unit": "per_month", "display": "$432/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36725.0, "selling_price": 36725.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.92, "net_cap_cost": 34321.0, "residual_value": 22769.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431.92, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3590.92}, "total_of_payments": 15552, "total_of_payments_unrounded": 15549.12}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0193958, VIN JM3KMCHAXT0193958. $432 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,591, made up of $432 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,725. Lease selling price $36,725. Net capitalized cost $34,321. Residual value $22,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,552. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 161}}, {"vin": "JM3KKCHDXT1411472", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 50690.0, "msrp": 50690.0, "sale_price": 50690.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKCHDXT1411472", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHDXT1411472_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50690.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchdxt1411472/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchdxt1411472/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHDXT1411472.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHDXT1411472.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHDXT1411472.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchdxt1411472/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKCHDXT1411472, VIN JM3KKCHDXT1411472. Advertised price: $50,690. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$50,690"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50690.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHDXT1411472_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 918, "unit": "per_month", "display": "$918/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50690.0, "price_incl_doc": 50690.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 918.32, "amount_financed": 53858.13, "sales_tax": 3168.13, "total_of_payments": 55099.22, "finance_charge": 1241.09, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHDXT1411472, VIN JM3KKCHDXT1411472. $918 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $50,690, before any dealer documentation fee. Amount financed $53,858, including $3,168 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $55,099. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1411472_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 800, "unit": "per_month", "display": "$800/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50690.0, "price_incl_doc": 50690.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 799.5, "amount_financed": 53858.13, "sales_tax": 3168.13, "total_of_payments": 67158.18, "finance_charge": 13300.05, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHDXT1411472, VIN JM3KKCHDXT1411472. $800 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,690, before any dealer documentation fee. Amount financed $53,858, including $3,168 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,158. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1411472_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50690.0, "selling_price": 50690.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 717.89, "net_cap_cost": 51285.0, "residual_value": 31427.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 717.89, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 877.89}, "total_of_payments": 25848, "total_of_payments_unrounded": 25844.04}, "disclosure": "Estimated lease payment for stock #JM3KKCHDXT1411472, VIN JM3KKCHDXT1411472. $718 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $878, made up of $718 first payment, $60 title, $100 registration. MSRP $50,690. Lease selling price $50,690. Net capitalized cost $51,285. Residual value $31,428, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHDXT1411472_lease", "type": "lease", "label": "Lease", "headline": {"value": 625, "unit": "per_month", "display": "$625/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50690.0, "selling_price": 50690.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 624.59, "net_cap_cost": 48286.0, "residual_value": 31427.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 624.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3783.59}, "total_of_payments": 22500, "total_of_payments_unrounded": 22485.24}, "disclosure": "Estimated lease payment for stock #JM3KKCHDXT1411472, VIN JM3KKCHDXT1411472. $625 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,784, made up of $625 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,690. Lease selling price $50,690. Net capitalized cost $48,286. Residual value $31,428, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_2C4RC3PG9NR100095_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 633, "unit": "per_month", "display": "$633/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25388.0, "price_incl_doc": 25388.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.38, "amount_financed": 26974.75, "sales_tax": 1586.75, "total_of_payments": 30402.2, "finance_charge": 3427.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260824AA, VIN 2C4RC3PG9NR100095. $633 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,388, before any dealer documentation fee. Amount financed $26,975, including $1,587 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,402. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_2C4RC3PG9NR100095_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf7t1350425/2026-mazda-cx-70-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJCHF7T1350425.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJCHF7T1350425.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJCHF7T1350425.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf7t1350425/2026-mazda-cx-70-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,416. This offer applies to Stock #MD262485, VIN JM3KJCHF7T1350425. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,955. Advertised price: $43,539. Savings: $6,416, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,955"}, {"label": "Advertised price", "value": "$43,539"}, {"label": "Savings", "value": "$6,416, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,416", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43539.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJCHF7T1350425_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 883, "unit": "per_month", "display": "$883/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43539.0, "price_incl_doc": 43539.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 883.41, "amount_financed": 46260.19, "sales_tax": 2721.19, "total_of_payments": 53004.59, "finance_charge": 6744.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262485, VIN JM3KJCHF7T1350425. $883 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,539, before any dealer documentation fee. Amount financed $46,260, including $2,721 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,005. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF7T1350425_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 766, "unit": "per_month", "display": "$766/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43539.0, "price_incl_doc": 43539.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 766.45, "amount_financed": 46260.19, "sales_tax": 2721.19, "total_of_payments": 55184.15, "finance_charge": 8923.96, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262485, VIN JM3KJCHF7T1350425. $766 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,539, before any dealer documentation fee. Amount financed $46,260, including $2,721 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,184. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF7T1350425_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43539.0, "price_incl_doc": 43539.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 686.71, "amount_financed": 46260.19, "sales_tax": 2721.19, "total_of_payments": 57683.96, "finance_charge": 11423.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262485, VIN JM3KJCHF7T1350425. $687 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,539, before any dealer documentation fee. Amount financed $46,260, including $2,721 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,684. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF7T1350425_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 508, "unit": "per_month", "display": "$508/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49955.0, "selling_price": 43539.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 508.16, "net_cap_cost": 44134.0, "residual_value": 30972.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 508.16, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 668.16}, "total_of_payments": 18288, "total_of_payments_unrounded": 18293.76}, "disclosure": "Estimated lease payment for stock #MD262485, VIN JM3KJCHF7T1350425. $508 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $668, made up of $508 first payment, $60 title, $100 registration. MSRP $49,955. Lease selling price $43,539. Net capitalized cost $44,134. Residual value $30,972, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,288. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF7T1350425_lease", "type": "lease", "label": "Lease", "headline": {"value": 415, "unit": "per_month", "display": "$415/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49955.0, "selling_price": 43539.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 414.87, "net_cap_cost": 41135.0, "residual_value": 30972.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 414.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3573.87}, "total_of_payments": 14940, "total_of_payments_unrounded": 14935.32}, "disclosure": "Estimated lease payment for stock #MD262485, VIN JM3KJCHF7T1350425. $415 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,574, made up of $415 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,955. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. Advertised price: $37,380. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,380"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37380.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL8TN611405_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 758, "unit": "per_month", "display": "$758/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37380.0, "price_incl_doc": 37380.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.44, "amount_financed": 39716.25, "sales_tax": 2336.25, "total_of_payments": 45506.59, "finance_charge": 5790.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. $758 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,380, before any dealer documentation fee. Amount financed $39,716, including $2,336 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,507. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL8TN611405_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 658, "unit": "per_month", "display": "$658/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37380.0, "price_incl_doc": 37380.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 658.03, "amount_financed": 39716.25, "sales_tax": 2336.25, "total_of_payments": 47377.84, "finance_charge": 7661.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,380, before any dealer documentation fee. Amount financed $39,716, including $2,336 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,378. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL8TN611405_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 590, "unit": "per_month", "display": "$590/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37380.0, "price_incl_doc": 37380.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.57, "amount_financed": 39716.25, "sales_tax": 2336.25, "total_of_payments": 49524.02, "finance_charge": 9807.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. $590 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,380, before any dealer documentation fee. Amount financed $39,716, including $2,336 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,524. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL8TN611405_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37380.0, "selling_price": 37380.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 534.25, "net_cap_cost": 37975.0, "residual_value": 23175.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 534.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 694.25}, "total_of_payments": 19224, "total_of_payments_unrounded": 19233.0}, "disclosure": "Estimated lease payment for stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. $534 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $694, made up of $534 first payment, $60 title, $100 registration. MSRP $37,380. Lease selling price $37,380. Net capitalized cost $37,975. Residual value $23,176, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,224. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL8TN611405_lease", "type": "lease", "label": "Lease", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37380.0, "selling_price": 37380.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 440.95, "net_cap_cost": 34976.0, "residual_value": 23175.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 440.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3599.95}, "total_of_payments": 15876, "total_of_payments_unrounded": 15874.2}, "disclosure": "Estimated lease payment for stock #7MMVABDL8TN611405, VIN 7MMVABDL8TN611405. $441 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,600, made up of $441 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,380. Lease selling price $37,380. Net capitalized cost $34,976. Residual value $23,176, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,876. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha9t0120932/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $850. This offer applies to Stock #MD262752, VIN JM3KMBHA9T0120932. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,735. Advertised price: $32,885. Savings: $850, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$33,735"}, {"label": "Advertised price", "value": "$32,885"}, {"label": "Savings", "value": "$850, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $850", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32885.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA9T0120932_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 667.24, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 40034.36, "finance_charge": 5094.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262752, VIN JM3KMBHA9T0120932. $667 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA9T0120932_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.9, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 41680.58, "finance_charge": 6740.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262752, VIN JM3KMBHA9T0120932. $579 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,681. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA9T0120932_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.67, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 43568.68, "finance_charge": 8628.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262752, VIN JM3KMBHA9T0120932. $519 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,569. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA9T0120932_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 32885.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 457.51, "net_cap_cost": 33480.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 457.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 617.51}, "total_of_payments": 16488, "total_of_payments_unrounded": 16470.36}, "disclosure": "Estimated lease payment for stock #MD262752, VIN JM3KMBHA9T0120932. $458 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $618, made up of $458 first payment, $60 title, $100 registration. MSRP $33,735. Lease selling price $32,885. Net capitalized cost $33,480. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,488. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA9T0120932_lease", "type": "lease", "label": "Lease", "headline": {"value": 364, "unit": "per_month", "display": "$364/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 32885.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 364.22, "net_cap_cost": 30481.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 364.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3523.22}, "total_of_payments": 13104, "total_of_payments_unrounded": 13111.92}, "disclosure": "Estimated lease payment for stock #MD262752, VIN JM3KMBHA9T0120932. $364 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,523, made up of $364 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,735. Lease selling price $32,885. Net capitalized cost $30,481. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,104. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA9T0170171_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.2, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 44891.81, "finance_charge": 5712.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262928, VIN JM3KMCHA9T0170171. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,892. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0170171_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.14, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 46737.77, "finance_charge": 7558.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262928, VIN JM3KMCHA9T0170171. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,738. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0170171_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.61, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 48854.96, "finance_charge": 9675.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262928, VIN JM3KMCHA9T0170171. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,855. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0170171_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36875.0, "selling_price": 36875.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.28, "net_cap_cost": 37470.0, "residual_value": 22862.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.28}, "total_of_payments": 18972, "total_of_payments_unrounded": 18982.08}, "disclosure": "Estimated lease payment for stock #MD262928, VIN JM3KMCHA9T0170171. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,875. Lease selling price $36,875. Net capitalized cost $37,470. Residual value $22,862, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0170171_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36875.0, "selling_price": 36875.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.99, "net_cap_cost": 34471.0, "residual_value": 22862.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.99}, "total_of_payments": 15624, "total_of_payments_unrounded": 15623.64}, "disclosure": "Estimated lease payment for stock #MD262928, VIN JM3KMCHA9T0170171. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,875. Lease selling price $36,875. Net capitalized cost $34,471. Residual value $22,862, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 208}}, {"vin": "KNDEUCAA7M7197118", "title": "2021 Kia Seltos S", "year": 2021, "make": "Kia", "model": "Seltos", "trim": "S", "decoded_trim": "S", "condition": "used", "price": 16253.0, "msrp": 15840.0, "sale_price": 16209.0, "currency": "USD", "mileage": 61252, "exterior_color": "Cherry Black", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,253"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16253.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA7M7197118_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 338, "unit": "per_month", "display": "$338/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16253.0, "price_incl_doc": 16253.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 337.8, "amount_financed": 17268.81, "sales_tax": 1015.81, "total_of_payments": 20268.19, "finance_charge": 2999.38, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0869A, VIN KNDEUCAA7M7197118. $338 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,253, before any dealer documentation fee. Amount financed $17,269, including $1,016 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,268. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDEUCAA7M7197118_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 294, "unit": "per_month", "display": "$294/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16253.0, "price_incl_doc": 16253.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 294.33, "amount_financed": 17268.81, "sales_tax": 1015.81, "total_of_payments": 21191.99, "finance_charge": 3923.18, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0869A, VIN KNDEUCAA7M7197118. $294 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,253, before any dealer documentation fee. Amount financed $17,269, including $1,016 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,192. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYKNDRS5RZ755900_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1068, "unit": "per_month", "display": "$1,068/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42810.0, "price_incl_doc": 42810.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1068.02, "amount_financed": 45485.63, "sales_tax": 2675.63, "total_of_payments": 51265.09, "finance_charge": 5779.46, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260670A, VIN 1GYKNDRS5RZ755900. $1,068 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,810, before any dealer documentation fee. Amount financed $45,486, including $2,676 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $51,265. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS5RZ755900_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 890, "unit": "per_month", "display": "$890/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42810.0, "price_incl_doc": 42810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 889.77, "amount_financed": 45485.63, "sales_tax": 2675.63, "total_of_payments": 53385.93, "finance_charge": 7900.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260670A, VIN 1GYKNDRS5RZ755900. $890 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,810, before any dealer documentation fee. Amount financed $45,486, including $2,676 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $53,386. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS5RZ755900_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 775, "unit": "per_month", "display": "$775/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl5tn612675/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl5tn612675/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL5TN612675.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL5TN612675.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL5TN612675.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl5tn612675/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262933, VIN 7MMVABBL5TN612675. Advertised price: $34,020. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,020"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34020.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL5TN612675_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.27, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 41416.11, "finance_charge": 5269.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262933, VIN 7MMVABBL5TN612675. $690 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,416. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN612675_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 599, "unit": "per_month", "display": "$599/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 598.88, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 43119.15, "finance_charge": 6972.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262933, VIN 7MMVABBL5TN612675. $599 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,119. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN612675_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 537, "unit": "per_month", "display": "$537/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34020.0, "price_incl_doc": 34020.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 536.58, "amount_financed": 36146.25, "sales_tax": 2126.25, "total_of_payments": 45072.42, "finance_charge": 8926.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262933, VIN 7MMVABBL5TN612675. $537 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,020, before any dealer documentation fee. Amount financed $36,146, including $2,126 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,072. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN612675_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34020.0, "selling_price": 34020.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 487.89, "net_cap_cost": 34615.0, "residual_value": 21092.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 487.89, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 647.89}, "total_of_payments": 17568, "total_of_payments_unrounded": 17564.04}, "disclosure": "Estimated lease payment for stock #MD262933, VIN 7MMVABBL5TN612675. $488 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $648, made up of $488 first payment, $60 title, $100 registration. MSRP $34,020. Lease selling price $34,020. Net capitalized cost $34,615. Residual value $21,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL5TN612675_lease", "type": "lease", "label": "Lease", "headline": {"value": 395, "unit": "per_month", "display": "$395/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34020.0, "selling_price": 34020.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 394.6, "net_cap_cost": 31616.0, "residual_value": 21092.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 394.6, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3553.6}, "total_of_payments": 14220, "total_of_payments_unrounded": 14205.6}, "disclosure": "Estimated lease payment for stock #MD262933, VIN 7MMVABBL5TN612675. $395 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,554, made up of $395 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,020. Lease selling price $34,020. Net capitalized cost $31,616. Residual value $21,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,220. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 186}}, {"vin": "5NMJBCDE8TH613154", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 30412.0, "msrp": 29999.0, "sale_price": 31549.0, "currency": "USD", "mileage": 2287, "exterior_color": "Ecotronic Gray", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260364", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 21, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/c0c67b571b224a53bb8f2b4ad3bc57fd.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/c0c67b571b224a53bb8f2b4ad3bc57fd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/caba40cbabe140a3a80ee7aadc517cbb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4abeeea4e934d83b7f55a202169763e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/011ca54c26db4ff7a3e026530c4c3745.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbf8c36aac694abb98771fa241afa844.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d370f51aab7a4855b643dc0bba3be30c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/032e2d0ec8694acfb0a31ea30fcb56a8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a0747351ca4041a387df51c006cdb844.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c7de5c8c629d464180b94fc359a1d853.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9fdebd6cdc5d4199b8670ee6344df21e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/518bdc325964499baa93c0d1fa69c8e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c5a314423bf749949d2d74da15cf8775.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f6be64334ad84b6083b777393a49466e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f47bb8d5489b40159be16129f51c29f6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2f411b6b81ea4e3b9134d30c666204c2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/650a21a7a9e140b598e46957c9a74219.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/87dd233eca1a40ef9973a57eb5bf44ca.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d7037a5b7c844a4fa7153df4c9d1332e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3e8ea24c89ef418f869d8757849db090.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e40d6a6d2a0e4c89b59a1626aee3583b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/545abc455ccb40b79254bc68fc164a9e.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "SEL, SEL Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29999.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMJBCDE8TH613154.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde8th613154/2026-hyundai-tucson-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde8th613154/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJBCDE8TH613154.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE8TH613154.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE8TH613154.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde8th613154/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #LHD260364, VIN 5NMJBCDE8TH613154. Advertised price: $30,412. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDE8TH613154_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30412.0, "price_incl_doc": 30412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.72, "amount_financed": 32312.75, "sales_tax": 1900.75, "total_of_payments": 36418.45, "finance_charge": 4105.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260364, VIN 5NMJBCDE8TH613154. $759 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,412, before any dealer documentation fee. Amount financed $32,313, including $1,901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,418. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE8TH613154_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30412.0, "price_incl_doc": 30412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.08, "amount_financed": 32312.75, "sales_tax": 1900.75, "total_of_payments": 37925.08, "finance_charge": 5612.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260364, VIN 5NMJBCDE8TH613154. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,412, before any dealer documentation fee. Amount financed $32,313, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,925. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE8TH613154_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30412.0, "price_incl_doc": 30412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 550.75, "amount_financed": 32312.75, "sales_tax": 1900.75, "total_of_payments": 39653.65, "finance_charge": 7340.9, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260364, VIN 5NMJBCDE8TH613154. $551 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,412, before any dealer documentation fee. Amount financed $32,313, including $1,901 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,654. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "7MMVABBL0TN606783", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34245.0, "msrp": 34245.0, "sale_price": 34245.0, "currency": "USD", "mileage": null, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVABBL0TN606783", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABBL0TN606783_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34245.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl0tn606783/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl0tn606783/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL0TN606783.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL0TN606783.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL0TN606783.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl0tn606783/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. Advertised price: $34,245. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,245"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34245.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL0TN606783_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 695, "unit": "per_month", "display": "$695/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34245.0, "price_incl_doc": 34245.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.83, "amount_financed": 36385.31, "sales_tax": 2140.31, "total_of_payments": 41690.03, "finance_charge": 5304.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. $695 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,245, before any dealer documentation fee. Amount financed $36,385, including $2,140 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,690. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL0TN606783_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34245.0, "price_incl_doc": 34245.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 602.84, "amount_financed": 36385.31, "sales_tax": 2140.31, "total_of_payments": 43404.33, "finance_charge": 7019.02, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. $603 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,245, before any dealer documentation fee. Amount financed $36,385, including $2,140 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,404. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL0TN606783_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 540, "unit": "per_month", "display": "$540/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34245.0, "price_incl_doc": 34245.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 540.13, "amount_financed": 36385.31, "sales_tax": 2140.31, "total_of_payments": 45370.52, "finance_charge": 8985.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. $540 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,245, before any dealer documentation fee. Amount financed $36,385, including $2,140 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,371. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL0TN606783_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34245.0, "selling_price": 34245.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 490.99, "net_cap_cost": 34840.0, "residual_value": 21231.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 490.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 650.99}, "total_of_payments": 17676, "total_of_payments_unrounded": 17675.64}, "disclosure": "Estimated lease payment for stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. $491 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $651, made up of $491 first payment, $60 title, $100 registration. MSRP $34,245. Lease selling price $34,245. Net capitalized cost $34,840. Residual value $21,232, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,676. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL0TN606783_lease", "type": "lease", "label": "Lease", "headline": {"value": 398, "unit": "per_month", "display": "$398/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34245.0, "selling_price": 34245.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 397.7, "net_cap_cost": 31841.0, "residual_value": 21231.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 397.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3556.7}, "total_of_payments": 14328, "total_of_payments_unrounded": 14317.2}, "disclosure": "Estimated lease payment for stock #7MMVABBL0TN606783, VIN 7MMVABBL0TN606783. $398 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,557, made up of $398 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,245. Lease selling price $34,245. Net capitalized cost $31,841. Residual value $21,232, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,328. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 207}}, {"vin": "7MMVABBL7TN609437", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34950.0, "msrp": 34950.0, "sale_price": 32983.0, "currency": "USD", "mileage": 7, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262921, VIN 7MMVABBL7TN609437. Advertised price: $34,950. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,950"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34950.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL7TN609437_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34950.0, "price_incl_doc": 34950.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.14, "amount_financed": 37134.38, "sales_tax": 2184.38, "total_of_payments": 42548.31, "finance_charge": 5413.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262921, VIN 7MMVABBL7TN609437. $709 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,950, before any dealer documentation fee. Amount financed $37,134, including $2,184 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,548. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN609437_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 615, "unit": "per_month", "display": "$615/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34950.0, "price_incl_doc": 34950.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 615.25, "amount_financed": 37134.38, "sales_tax": 2184.38, "total_of_payments": 44297.9, "finance_charge": 7163.52, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262921, VIN 7MMVABBL7TN609437. $615 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,950, before any dealer documentation fee. Amount financed $37,134, including $2,184 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,298. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN609437_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 551, "unit": "per_month", "display": "$551/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34950.0, "price_incl_doc": 34950.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 551.24, "amount_financed": 37134.38, "sales_tax": 2184.38, "total_of_payments": 46304.57, "finance_charge": 9170.19, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262921, VIN 7MMVABBL7TN609437. $551 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,950, before any dealer documentation fee. Amount financed $37,134, including $2,184 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,305. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN609437_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 501, "unit": "per_month", "display": "$501/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34950.0, "selling_price": 34950.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 500.72, "net_cap_cost": 35545.0, "residual_value": 21669.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 500.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 660.72}, "total_of_payments": 18036, "total_of_payments_unrounded": 18025.92}, "disclosure": "Estimated lease payment for stock #MD262921, VIN 7MMVABBL7TN609437. $501 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $661, made up of $501 first payment, $60 title, $100 registration. MSRP $34,950. Lease selling price $34,950. Net capitalized cost $35,545. Residual value $21,669, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,036. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN609437_lease", "type": "lease", "label": "Lease", "headline": {"value": 407, "unit": "per_month", "display": "$407/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34950.0, "selling_price": 34950.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 407.43, "net_cap_cost": 32546.0, "residual_value": 21669.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 407.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3566.43}, "total_of_payments": 14652, "total_of_payments_unrounded": 14667.48}, "disclosure": "Estimated lease payment for stock #MD262921, VIN 7MMVABBL7TN609437. $407 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,566, made up of $407 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,950. Lease selling price $34,950. Net capitalized cost $32,546. Residual value $21,669, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,652. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 36, "elapsed_ms": 266}}, {"vin": "WAULSAF88PN011137", "title": "2023 Audi S8 4.0T", "year": 2023, "make": "Audi", "model": "S8", "trim": "4.0T", "decoded_trim": "quattro", "condition": "used", "price": 72900.0, "msrp": 72487.0, "sale_price": 72216.0, "currency": "USD", "mileage": 36503, "exterior_color": "Glacier White Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Twin Turbo 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0452, VIN WAULSAF88PN011137. Advertised price: $72,900. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$72,900"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 72900.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WAULSAF88PN011137_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1819, "unit": "per_month", "display": "$1,819/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72900.0, "price_incl_doc": 72900.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1818.71, "amount_financed": 77456.25, "sales_tax": 4556.25, "total_of_payments": 87297.94, "finance_charge": 9841.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0452, VIN WAULSAF88PN011137. $1,819 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $72,900, before any dealer documentation fee. Amount financed $77,456, including $4,556 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $87,298. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WAULSAF88PN011137_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1515, "unit": "per_month", "display": "$1,515/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72900.0, "price_incl_doc": 72900.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1515.16, "amount_financed": 77456.25, "sales_tax": 4556.25, "total_of_payments": 90909.46, "finance_charge": 13453.21, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0452, VIN WAULSAF88PN011137. $1,515 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $72,900, before any dealer documentation fee. Amount financed $77,456, including $4,556 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $90,909. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WAULSAF88PN011137_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1320, "unit": "per_month", "display": "$1,320/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 72900.0, "price_incl_doc": 72900.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1320.18, "amount_financed": 77456.25, "sales_tax": 4556.25, "total_of_payments": 95052.97, "finance_charge": 17596.72, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0452, VIN WAULSAF88PN011137. $1,320 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $72,900, before any dealer documentation fee. Amount financed $77,456, including $4,556 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $95,053. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "7MMVABEY0TN481095", "title": "2026 Mazda CX-50 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 43250.0, "msrp": 46090.0, "sale_price": 43250.0, "currency": "USD", "mileage": 7, "exterior_color": "Machine Gray Metallic", "interior_color": "White Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MD262592", "stock_status": "Available", "availability": "In Stock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,840. This offer applies to Stock #MD262592, VIN 7MMVABEY0TN481095. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,090. Advertised price: $43,250. Savings: $2,840, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,090"}, {"label": "Advertised price", "value": "$43,250"}, {"label": "Savings", "value": "$2,840, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,840", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43250.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY0TN481095_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 878, "unit": "per_month", "display": "$878/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43250.0, "price_incl_doc": 43250.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 877.55, "amount_financed": 45953.13, "sales_tax": 2703.13, "total_of_payments": 52652.77, "finance_charge": 6699.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262592, VIN 7MMVABEY0TN481095. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,250, before any dealer documentation fee. Amount financed $45,953, including $2,703 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,653. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY0TN481095_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 761, "unit": "per_month", "display": "$761/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43250.0, "price_incl_doc": 43250.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.36, "amount_financed": 45953.13, "sales_tax": 2703.13, "total_of_payments": 54817.86, "finance_charge": 8864.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262592, VIN 7MMVABEY0TN481095. $761 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,250, before any dealer documentation fee. Amount financed $45,953, including $2,703 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,818. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY0TN481095_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 682, "unit": "per_month", "display": "$682/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43250.0, "price_incl_doc": 43250.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.16, "amount_financed": 45953.13, "sales_tax": 2703.13, "total_of_payments": 57301.07, "finance_charge": 11347.94, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262592, VIN 7MMVABEY0TN481095. $682 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,250, before any dealer documentation fee. Amount financed $45,953, including $2,703 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,301. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY0TN481095_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46090.0, "selling_price": 43250.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 566.07, "net_cap_cost": 43845.0, "residual_value": 28575.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.07}, "total_of_payments": 20376, "total_of_payments_unrounded": 20378.52}, "disclosure": "Estimated lease payment for stock #MD262592, VIN 7MMVABEY0TN481095. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $46,090. Lease selling price $43,250. Net capitalized cost $43,845. Residual value $28,576, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY0TN481095_lease", "type": "lease", "label": "Lease", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46090.0, "selling_price": 43250.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.78, "net_cap_cost": 40846.0, "residual_value": 28575.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3631.78}, "total_of_payments": 17028, "total_of_payments_unrounded": 17020.08}, "disclosure": "Estimated lease payment for stock #MD262592, VIN 7MMVABEY0TN481095. $473 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,632, made up of $473 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,090. Lease selling price $43,250. Net capitalized cost $40,846. Residual value $28,576, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 242}}, {"vin": "JM3KMDHA8T0175433", "title": "2026 Mazda CX-5 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 36065.0, "msrp": 36065.0, "sale_price": 39065.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMDHA8T0175433", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMDHA8T0175433.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdha8t0175433/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. Advertised price: $36,065. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,065"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36065.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHA8T0175433_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 732, "unit": "per_month", "display": "$732/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36065.0, "price_incl_doc": 36065.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.76, "amount_financed": 38319.06, "sales_tax": 2254.06, "total_of_payments": 43905.7, "finance_charge": 5586.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. $732 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,065, before any dealer documentation fee. Amount financed $38,319, including $2,254 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,906. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA8T0175433_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 635, "unit": "per_month", "display": "$635/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36065.0, "price_incl_doc": 36065.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.88, "amount_financed": 38319.06, "sales_tax": 2254.06, "total_of_payments": 45711.12, "finance_charge": 7392.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. $635 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,065, before any dealer documentation fee. Amount financed $38,319, including $2,254 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,711. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA8T0175433_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36065.0, "price_incl_doc": 36065.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.83, "amount_financed": 38319.06, "sales_tax": 2254.06, "total_of_payments": 47781.8, "finance_charge": 9462.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. $569 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,065, before any dealer documentation fee. Amount financed $38,319, including $2,254 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,782. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA8T0175433_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36065.0, "selling_price": 36065.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 516.1, "net_cap_cost": 36660.0, "residual_value": 22360.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 516.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 676.1}, "total_of_payments": 18576, "total_of_payments_unrounded": 18579.6}, "disclosure": "Estimated lease payment for stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. $516 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $676, made up of $516 first payment, $60 title, $100 registration. MSRP $36,065. Lease selling price $36,065. Net capitalized cost $36,660. Residual value $22,360, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,576. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA8T0175433_lease", "type": "lease", "label": "Lease", "headline": {"value": 423, "unit": "per_month", "display": "$423/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36065.0, "selling_price": 36065.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 422.81, "net_cap_cost": 33661.0, "residual_value": 22360.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 422.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3581.81}, "total_of_payments": 15228, "total_of_payments_unrounded": 15221.16}, "disclosure": "Estimated lease payment for stock #JM3KMDHA8T0175433, VIN JM3KMDHA8T0175433. $423 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,582, made up of $423 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,065. Lease selling price $36,065. Net capitalized cost $33,661. Residual value $22,360, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,228. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 238}}, {"vin": "JM3KMCHA9T0192204", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36515.0, "msrp": 36515.0, "sale_price": 36515.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA9T0192204", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0192204_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36515.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0192204/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0192204/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA9T0192204.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0192204.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0192204.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0192204/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. Advertised price: $36,515. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,515"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36515.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA9T0192204_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 741, "unit": "per_month", "display": "$741/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36515.0, "price_incl_doc": 36515.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 740.89, "amount_financed": 38797.19, "sales_tax": 2282.19, "total_of_payments": 44453.54, "finance_charge": 5656.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. $741 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,515, before any dealer documentation fee. Amount financed $38,797, including $2,282 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,454. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0192204_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 643, "unit": "per_month", "display": "$643/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36515.0, "price_incl_doc": 36515.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.8, "amount_financed": 38797.19, "sales_tax": 2282.19, "total_of_payments": 46281.48, "finance_charge": 7484.29, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. $643 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,515, before any dealer documentation fee. Amount financed $38,797, including $2,282 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,281. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0192204_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36515.0, "price_incl_doc": 36515.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.93, "amount_financed": 38797.19, "sales_tax": 2282.19, "total_of_payments": 48378.0, "finance_charge": 9580.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. $576 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,515, before any dealer documentation fee. Amount financed $38,797, including $2,282 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,378. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0192204_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36515.0, "selling_price": 36515.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.31, "net_cap_cost": 37110.0, "residual_value": 22639.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.31}, "total_of_payments": 18792, "total_of_payments_unrounded": 18803.16}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. $522 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $682, made up of $522 first payment, $60 title, $100 registration. MSRP $36,515. Lease selling price $36,515. Net capitalized cost $37,110. Residual value $22,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,792. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0192204_lease", "type": "lease", "label": "Lease", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36515.0, "selling_price": 36515.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 429.02, "net_cap_cost": 34111.0, "residual_value": 22639.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3588.02}, "total_of_payments": 15444, "total_of_payments_unrounded": 15444.72}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0192204, VIN JM3KMCHA9T0192204. $429 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,588, made up of $429 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,515. Lease selling price $36,515. Net capitalized cost $34,111. Residual value $22,639, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,444. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 248}}, {"vin": "7MMVABEY8TN478624", "title": "2026 Mazda CX-50 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 43564.0, "msrp": 46505.0, "sale_price": 43564.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Terracotta Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline 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of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey8tn478624/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABEY8TN478624.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY8TN478624.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY8TN478624.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey8tn478624/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,941. This offer applies to Stock #MD262565, VIN 7MMVABEY8TN478624. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,505. Advertised price: $43,564. Savings: $2,941, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,505"}, {"label": "Advertised price", "value": "$43,564"}, {"label": "Savings", "value": "$2,941, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,941", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43564.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY8TN478624_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 884, "unit": "per_month", "display": "$884/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43564.0, "price_incl_doc": 43564.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 883.92, "amount_financed": 46286.75, "sales_tax": 2722.75, "total_of_payments": 53035.03, "finance_charge": 6748.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262565, VIN 7MMVABEY8TN478624. $884 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,564, before any dealer documentation fee. Amount financed $46,287, including $2,723 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,035. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN478624_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 767, "unit": "per_month", "display": "$767/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43564.0, "price_incl_doc": 43564.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 766.89, "amount_financed": 46286.75, "sales_tax": 2722.75, "total_of_payments": 55215.84, "finance_charge": 8929.09, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262565, VIN 7MMVABEY8TN478624. $767 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,564, before any dealer documentation fee. Amount financed $46,287, including $2,723 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,216. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN478624_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43564.0, "price_incl_doc": 43564.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.11, "amount_financed": 46286.75, "sales_tax": 2722.75, "total_of_payments": 57717.08, "finance_charge": 11430.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262565, VIN 7MMVABEY8TN478624. $687 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,564, before any dealer documentation fee. Amount financed $46,287, including $2,723 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,717. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN478624_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46505.0, "selling_price": 43564.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 568.66, "net_cap_cost": 44159.0, "residual_value": 28833.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 568.66, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 728.66}, "total_of_payments": 20484, "total_of_payments_unrounded": 20471.76}, "disclosure": "Estimated lease payment for stock #MD262565, VIN 7MMVABEY8TN478624. $569 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $729, made up of $569 first payment, $60 title, $100 registration. MSRP $46,505. Lease selling price $43,564. Net capitalized cost $44,159. Residual value $28,833, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,484. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN478624_lease", "type": "lease", "label": "Lease", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46505.0, "selling_price": 43564.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 475.37, "net_cap_cost": 41160.0, "residual_value": 28833.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 475.37, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3634.37}, "total_of_payments": 17100, "total_of_payments_unrounded": 17113.32}, "disclosure": "Estimated lease payment for stock #MD262565, VIN 7MMVABEY8TN478624. $475 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,634, made up of $475 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,505. Lease selling price $43,564. Net capitalized cost $41,160. Residual value $28,833, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,100. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 261}}, {"vin": "JM3KJEHA2S1115039", "title": "2025 Mazda CX-70 PHEV Premium Plus Package", "year": 2025, "make": "Mazda", "model": "CX-70 PHEV", "trim": "Premium Plus Package", "decoded_trim": "Premium Plus Package", "condition": "certified", "price": 39461.0, "msrp": 39048.0, "sale_price": 39352.0, "currency": "USD", "mileage": 6934, "exterior_color": "Rhodium White Premium", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas/Electric I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": null, "mpg_hwy": null, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0795", "stock_status": "Available", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,461"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39461.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJEHA2S1115039_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 984, "unit": "per_month", "display": "$984/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39461.0, "price_incl_doc": 39461.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 984.47, "amount_financed": 41927.31, "sales_tax": 2466.31, "total_of_payments": 47254.65, "finance_charge": 5327.34, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0795, VIN JM3KJEHA2S1115039. $984 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,461, before any dealer documentation fee. Amount financed $41,927, including $2,466 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,255. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHA2S1115039_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 820, "unit": "per_month", "display": "$820/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39461.0, "price_incl_doc": 39461.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 820.16, "amount_financed": 41927.31, "sales_tax": 2466.31, "total_of_payments": 49209.58, "finance_charge": 7282.27, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0795, VIN JM3KJEHA2S1115039. $820 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,461, before any dealer documentation fee. Amount financed $41,927, including $2,466 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,210. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHA2S1115039_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 715, "unit": "per_month", "display": "$715/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39461.0, "price_incl_doc": 39461.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 714.62, "amount_financed": 41927.31, "sales_tax": 2466.31, "total_of_payments": 51452.47, "finance_charge": 9525.16, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0795, VIN JM3KJEHA2S1115039. $715 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,461, before any dealer documentation fee. Amount financed $41,927, including $2,466 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,452. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.12, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 32827.32, "finance_charge": 4177.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1892191, VIN JM1BPABL8T1892191. $547 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,827. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1892191_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 474.68, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 34177.19, "finance_charge": 5526.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1892191, VIN JM1BPABL8T1892191. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,177. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1892191_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.3, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 35725.39, "finance_charge": 7075.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1892191, VIN JM1BPABL8T1892191. $425 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,725. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1892191_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26965.0, "selling_price": 26965.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.55, "net_cap_cost": 27560.0, "residual_value": 16718.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 550.55}, "total_of_payments": 14076, "total_of_payments_unrounded": 14059.8}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1892191, VIN JM1BPABL8T1892191. $391 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $551, made up of $391 first payment, $60 title, $100 registration. MSRP $26,965. Lease selling price $26,965. Net capitalized cost $27,560. Residual value $16,718, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1892191_lease", "type": "lease", "label": "Lease", "headline": {"value": 297, "unit": "per_month", "display": "$297/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26965.0, "selling_price": 26965.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.26, "net_cap_cost": 24561.0, "residual_value": 16718.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.26, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.26}, "total_of_payments": 10692, "total_of_payments_unrounded": 10701.36}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1892191, VIN JM1BPABL8T1892191. $297 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,456, made up of $297 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,965. Lease selling price $26,965. Net capitalized cost $24,561. Residual value $16,718, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 235}}, {"vin": "5J8TB4H78JL008364", "title": "2018 Acura RDX w/Advance Pkg", "year": 2018, "make": "Acura", "model": "RDX", "trim": "w/Advance Pkg", "decoded_trim": "Advance Package", "condition": "used", "price": 23684.0, "msrp": 23271.0, "sale_price": 23538.0, "currency": "USD", "mileage": 49537, "exterior_color": "Fathom Blue Pearl", "interior_color": "Parchment", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #GD260499XA, VIN 5J8TB4H78JL008364. Advertised price: $23,684. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,684"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:06Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23684.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5J8TB4H78JL008364_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 591, "unit": "per_month", "display": "$591/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23684.0, "price_incl_doc": 23684.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 590.87, "amount_financed": 25164.25, "sales_tax": 1480.25, "total_of_payments": 28361.65, "finance_charge": 3197.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260499XA, VIN 5J8TB4H78JL008364. $591 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,684, before any dealer documentation fee. Amount financed $25,164, including $1,480 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,362. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5J8TB4H78JL008364_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23684.0, "price_incl_doc": 23684.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 492.25, "amount_financed": 25164.25, "sales_tax": 1480.25, "total_of_payments": 29534.98, "finance_charge": 4370.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260499XA, VIN 5J8TB4H78JL008364. $492 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,684, before any dealer documentation fee. Amount financed $25,164, including $1,480 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,535. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5J8TB4H78JL008364_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23684.0, "price_incl_doc": 23684.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 428.9, "amount_financed": 25164.25, "sales_tax": 1480.25, "total_of_payments": 30881.13, "finance_charge": 5716.88, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260499XA, VIN 5J8TB4H78JL008364. $429 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,684, before any dealer documentation fee. Amount financed $25,164, including $1,480 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,881. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 1}}, {"vin": "JM3KMCHA8T0175975", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36890.0, "msrp": 36890.0, "sale_price": 36890.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA8T0175975", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0175975_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36890.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0175975/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0175975/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA8T0175975.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0175975.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0175975.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0175975/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. Advertised price: $36,890. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,890"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36890.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA8T0175975_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36890.0, "price_incl_doc": 36890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.5, "amount_financed": 39195.63, "sales_tax": 2305.63, "total_of_payments": 44910.07, "finance_charge": 5714.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,890, before any dealer documentation fee. Amount financed $39,196, including $2,306 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,910. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0175975_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36890.0, "price_incl_doc": 36890.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.4, "amount_financed": 39195.63, "sales_tax": 2305.63, "total_of_payments": 46756.78, "finance_charge": 7561.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,890, before any dealer documentation fee. Amount financed $39,196, including $2,306 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,757. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0175975_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36890.0, "price_incl_doc": 36890.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.84, "amount_financed": 39195.63, "sales_tax": 2305.63, "total_of_payments": 48874.84, "finance_charge": 9679.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,890, before any dealer documentation fee. Amount financed $39,196, including $2,306 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,875. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0175975_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36890.0, "selling_price": 36890.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.49, "net_cap_cost": 37485.0, "residual_value": 22871.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.49}, "total_of_payments": 18972, "total_of_payments_unrounded": 18989.64}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,890. Lease selling price $36,890. Net capitalized cost $37,485. Residual value $22,872, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0175975_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36890.0, "selling_price": 36890.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.19, "net_cap_cost": 34486.0, "residual_value": 22871.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.19}, "total_of_payments": 15624, "total_of_payments_unrounded": 15630.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0175975, VIN JM3KMCHA8T0175975. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,890. Lease selling price $36,890. Net capitalized cost $34,486. Residual value $22,872, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 310}}, {"vin": "7MMVABBL2TN614500", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34130.0, "msrp": 34130.0, "sale_price": 34130.0, "currency": "USD", "mileage": null, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl2tn614500/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL2TN614500.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL2TN614500.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL2TN614500.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl2tn614500/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. Advertised price: $34,130. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,130"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34130.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL2TN614500_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 692, "unit": "per_month", "display": "$692/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34130.0, "price_incl_doc": 34130.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.5, "amount_financed": 36263.13, "sales_tax": 2133.13, "total_of_payments": 41550.03, "finance_charge": 5286.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. $692 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,130, before any dealer documentation fee. Amount financed $36,263, including $2,133 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,550. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN614500_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34130.0, "price_incl_doc": 34130.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.81, "amount_financed": 36263.13, "sales_tax": 2133.13, "total_of_payments": 43258.58, "finance_charge": 6995.45, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. $601 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,130, before any dealer documentation fee. Amount financed $36,263, including $2,133 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,259. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN614500_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 538, "unit": "per_month", "display": "$538/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34130.0, "price_incl_doc": 34130.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 538.31, "amount_financed": 36263.13, "sales_tax": 2133.13, "total_of_payments": 45218.17, "finance_charge": 8955.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. $538 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,130, before any dealer documentation fee. Amount financed $36,263, including $2,133 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,218. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN614500_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 489, "unit": "per_month", "display": "$489/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34130.0, "selling_price": 34130.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 489.41, "net_cap_cost": 34725.0, "residual_value": 21160.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.41, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.41}, "total_of_payments": 17604, "total_of_payments_unrounded": 17618.76}, "disclosure": "Estimated lease payment for stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. $489 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $649, made up of $489 first payment, $60 title, $100 registration. MSRP $34,130. Lease selling price $34,130. Net capitalized cost $34,725. Residual value $21,161, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,604. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN614500_lease", "type": "lease", "label": "Lease", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34130.0, "selling_price": 34130.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 396.11, "net_cap_cost": 31726.0, "residual_value": 21160.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.11}, "total_of_payments": 14256, "total_of_payments_unrounded": 14259.96}, "disclosure": "Estimated lease payment for stock #7MMVABBL2TN614500, VIN 7MMVABBL2TN614500. $396 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,555, made up of $396 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,130. Lease selling price $34,130. Net capitalized cost $31,726. Residual value $21,161, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 399}}, {"vin": "JM1BPABL2T1892848", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27785.0, "msrp": 27785.0, "sale_price": 27785.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": 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In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27785.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1892848/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1892848/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL2T1892848.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1892848.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1892848.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1892848/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. Advertised price: $27,785. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,785"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27785.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL2T1892848_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.76, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 33825.59, "finance_charge": 4304.03, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. $564 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,826. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1892848_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 489, "unit": "per_month", "display": "$489/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 489.12, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 35216.51, "finance_charge": 5694.95, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. $489 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,217. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1892848_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 438, "unit": "per_month", "display": "$438/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27785.0, "price_incl_doc": 27785.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.24, "amount_financed": 29521.56, "sales_tax": 1736.56, "total_of_payments": 36811.79, "finance_charge": 7290.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. $438 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,785, before any dealer documentation fee. Amount financed $29,522, including $1,737 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,812. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1892848_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27785.0, "selling_price": 27785.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.86, "net_cap_cost": 28380.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 561.86}, "total_of_payments": 14472, "total_of_payments_unrounded": 14466.96}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. $402 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $562, made up of $402 first payment, $60 title, $100 registration. MSRP $27,785. Lease selling price $27,785. Net capitalized cost $28,380. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1892848_lease", "type": "lease", "label": "Lease", "headline": {"value": 309, "unit": "per_month", "display": "$309/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27785.0, "selling_price": 27785.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 308.57, "net_cap_cost": 25381.0, "residual_value": 17226.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 308.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3467.57}, "total_of_payments": 11124, "total_of_payments_unrounded": 11108.52}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1892848, VIN JM1BPABL2T1892848. $309 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,468, made up of $309 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,785. Lease selling price $27,785. Net capitalized cost $25,381. Residual value $17,227, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,124. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 361}}, {"vin": "JM3KKEHC6T1386721", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 55230.0, "msrp": 59795.0, "sale_price": 55230.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "White Premium Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": 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fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc6t1386721/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHC6T1386721.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC6T1386721.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC6T1386721.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc6t1386721/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,565. This offer applies to Stock #MD262715, VIN JM3KKEHC6T1386721. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $59,795. Advertised price: $55,230. Savings: $4,565, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$59,795"}, {"label": "Advertised price", "value": "$55,230"}, {"label": "Savings", "value": "$4,565, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,565", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "features": ["Rain Sensing Wipers", "Side-Impact Airbags", "Cooled Seats", "Push Start", "Captain's Chairs", "Leather Seats", "Sunroof", "Heads-Up Display", "Keyless Ignition", "Remote Start", "Power Seats", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Blind Spot Sensors", "Satellite Radio", "Apple CarPlay", "Android Auto", "3rd Row Seat", "GPS Navigation", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55230.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC6T1386721_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1001, "unit": "per_month", "display": "$1,001/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55230.0, "price_incl_doc": 55230.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1000.57, "amount_financed": 58681.88, "sales_tax": 3451.88, "total_of_payments": 60034.12, "finance_charge": 1352.24, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262715, VIN JM3KKEHC6T1386721. $1,001 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,230, before any dealer documentation fee. Amount financed $58,682, including $3,452 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC6T1386721_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 871, "unit": "per_month", "display": "$871/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55230.0, "price_incl_doc": 55230.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 871.11, "amount_financed": 58681.88, "sales_tax": 3451.88, "total_of_payments": 73173.14, "finance_charge": 14491.26, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262715, VIN JM3KKEHC6T1386721. $871 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,230, before any dealer documentation fee. Amount financed $58,682, including $3,452 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,173. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC6T1386721_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59795.0, "selling_price": 55230.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 701.5, "net_cap_cost": 55825.0, "residual_value": 37072.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 701.5, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 861.5}, "total_of_payments": 25272, "total_of_payments_unrounded": 25254.0}, "disclosure": "Estimated lease payment for stock #MD262715, VIN JM3KKEHC6T1386721. $702 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $862, made up of $702 first payment, $60 title, $100 registration. MSRP $59,795. Lease selling price $55,230. Net capitalized cost $55,825. Residual value $37,073, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC6T1386721_lease", "type": "lease", "label": "Lease", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59795.0, "selling_price": 55230.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 608.21, "net_cap_cost": 52826.0, "residual_value": 37072.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 608.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3767.21}, "total_of_payments": 21888, "total_of_payments_unrounded": 21895.56}, "disclosure": "Estimated lease payment for stock #MD262715, VIN JM3KKEHC6T1386721. $608 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,767, made up of $608 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $59,795. Lease selling price $55,230. Net capitalized cost $52,826. Residual value $37,073, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,888. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,311. This offer applies to Stock #MD262737X, VIN JM3KKCHD1T1382332. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,430. Advertised price: $45,119. Savings: $4,311, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,430"}, {"label": "Advertised price", "value": "$45,119"}, {"label": "Savings", "value": "$4,311, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,311", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45119.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD1T1382332_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 817, "unit": "per_month", "display": "$817/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45119.0, "price_incl_doc": 45119.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 817.39, "amount_financed": 47938.94, "sales_tax": 2819.94, "total_of_payments": 49043.63, "finance_charge": 1104.69, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262737X, VIN JM3KKCHD1T1382332. $817 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $45,119, before any dealer documentation fee. Amount financed $47,939, including $2,820 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $49,044. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1382332_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 712, "unit": "per_month", "display": "$712/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45119.0, "price_incl_doc": 45119.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.63, "amount_financed": 47938.94, "sales_tax": 2819.94, "total_of_payments": 59777.27, "finance_charge": 11838.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262737X, VIN JM3KKCHD1T1382332. $712 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,119, before any dealer documentation fee. Amount financed $47,939, including $2,820 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,777. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1382332_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49430.0, "selling_price": 45119.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 566.4, "net_cap_cost": 45714.0, "residual_value": 30646.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.4}, "total_of_payments": 20376, "total_of_payments_unrounded": 20390.4}, "disclosure": "Estimated lease payment for stock #MD262737X, VIN JM3KKCHD1T1382332. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $49,430. Lease selling price $45,119. Net capitalized cost $45,714. Residual value $30,647, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1382332_lease", "type": "lease", "label": "Lease", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49430.0, "selling_price": 45119.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 473.11, "net_cap_cost": 42715.0, "residual_value": 30646.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3632.11}, "total_of_payments": 17028, "total_of_payments_unrounded": 17031.96}, "disclosure": "Estimated lease payment for stock #MD262737X, VIN JM3KKCHD1T1382332. $473 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,632, made up of $473 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,430. Lease selling price $45,119. Net capitalized cost $42,715. Residual value $30,647, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43790.0, "price_incl_doc": 43790.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 4.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda MX-5 MIATA RF \u2014 4.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 875.89, "amount_financed": 46526.88, "sales_tax": 2736.88, "total_of_payments": 52553.38, "finance_charge": 6026.5, "per_1000_financed": 18.83, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1NDAL72T0707355, VIN JM1NDAL72T0707355. $876 per month for 60 months at 4.9% APR, $0 cash down. Advertised price $43,790, before any dealer documentation fee. Amount financed $46,527, including $2,737 estimated sales tax at 6.25%. That is $18.83 per $1,000 financed. Total of payments $52,553. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAL72T0707355_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 691, "unit": "per_month", "display": "$691/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43790.0, "price_incl_doc": 43790.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.67, "amount_financed": 46526.88, "sales_tax": 2736.88, "total_of_payments": 58016.51, "finance_charge": 11489.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1NDAL72T0707355, VIN JM1NDAL72T0707355. $691 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,790, before any dealer documentation fee. Amount financed $46,527, including $2,737 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $58,017. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAL72T0707355_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 623, "unit": "per_month", "display": "$623/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43790.0, "selling_price": 43790.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 622.69, "net_cap_cost": 44385.0, "residual_value": 27149.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 622.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 782.69}, "total_of_payments": 22428, "total_of_payments_unrounded": 22416.84}, "disclosure": "Estimated lease payment for stock #JM1NDAL72T0707355, VIN JM1NDAL72T0707355. $623 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $783, made up of $623 first payment, $60 title, $100 registration. MSRP $43,790. Lease selling price $43,790. Net capitalized cost $44,385. Residual value $27,150, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,428. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAL72T0707355_lease", "type": "lease", "label": "Lease", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43790.0, "selling_price": 43790.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 529.39, "net_cap_cost": 41386.0, "residual_value": 27149.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 529.39, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3688.39}, "total_of_payments": 19044, "total_of_payments_unrounded": 19058.04}, "disclosure": "Estimated lease payment for stock #JM1NDAL72T0707355, VIN JM1NDAL72T0707355. $529 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,688, made up of $529 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,790. Lease selling price $43,790. Net capitalized cost $41,386. Residual value $27,150, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 373}}, {"vin": "WBX13EF06S5167858", "title": "2025 BMW X1 M35i", "year": 2025, "make": "BMW", "model": "X1", "trim": "M35i", "decoded_trim": "M35i", "condition": "used", "price": 44689.0, "msrp": 44276.0, "sale_price": 44399.0, "currency": "USD", "mileage": 16975, "exterior_color": "Mineral White Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": 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monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wbx13ef06s5167858/2025-bmw-x1-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/WBX13EF06S5167858.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/WBX13EF06S5167858.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/WBX13EF06S5167858.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wbx13ef06s5167858/2025-bmw-x1-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #VD262007A, VIN WBX13EF06S5167858. Advertised price: $44,689. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$44,689"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44689.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WBX13EF06S5167858_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1115, "unit": "per_month", "display": "$1,115/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44689.0, "price_incl_doc": 44689.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1114.9, "amount_financed": 47482.06, "sales_tax": 2793.06, "total_of_payments": 53515.19, "finance_charge": 6033.13, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262007A, VIN WBX13EF06S5167858. $1,115 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,689, before any dealer documentation fee. Amount financed $47,482, including $2,793 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $53,515. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WBX13EF06S5167858_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 929, "unit": "per_month", "display": "$929/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44689.0, "price_incl_doc": 44689.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 928.82, "amount_financed": 47482.06, "sales_tax": 2793.06, "total_of_payments": 55729.12, "finance_charge": 8247.06, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262007A, VIN WBX13EF06S5167858. $929 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,689, before any dealer documentation fee. Amount financed $47,482, including $2,793 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $55,729. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WBX13EF06S5167858_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44689.0, "price_incl_doc": 44689.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 809.29, "amount_financed": 47482.06, "sales_tax": 2793.06, "total_of_payments": 58269.17, "finance_charge": 10787.11, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262007A, VIN WBX13EF06S5167858. $809 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $44,689, before any dealer documentation fee. Amount financed $47,482, including $2,793 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $58,269. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,907"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33907.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FMSK8DH4RGA54631_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 846, "unit": "per_month", "display": "$846/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33907.0, "price_incl_doc": 33907.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 845.91, "amount_financed": 36026.19, "sales_tax": 2119.19, "total_of_payments": 40603.73, "finance_charge": 4577.54, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262609A, VIN 1FMSK8DH4RGA54631. $846 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $33,907, before any dealer documentation fee. Amount financed $36,026, including $2,119 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $40,604. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMSK8DH4RGA54631_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 705, "unit": "per_month", "display": "$705/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33907.0, "price_incl_doc": 33907.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.73, "amount_financed": 36026.19, "sales_tax": 2119.19, "total_of_payments": 42283.5, "finance_charge": 6257.31, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262609A, VIN 1FMSK8DH4RGA54631. $705 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,907, before any dealer documentation fee. Amount financed $36,026, including $2,119 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,284. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33907.0, "price_incl_doc": 33907.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 614.04, "amount_financed": 36026.19, "sales_tax": 2119.19, "total_of_payments": 44210.72, "finance_charge": 8184.53, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262609A, VIN 1FMSK8DH4RGA54631. $614 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $33,907, before any dealer documentation fee. Amount financed $36,026, including $2,119 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,211. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl4tn609862/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262929, VIN 7MMVABDL4TN609862. Advertised price: $37,605. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,605"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37605.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL4TN609862_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 763, "unit": "per_month", "display": "$763/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37605.0, "price_incl_doc": 37605.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 763.01, "amount_financed": 39955.31, "sales_tax": 2350.31, "total_of_payments": 45780.51, "finance_charge": 5825.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262929, VIN 7MMVABDL4TN609862. $763 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,605, before any dealer documentation fee. Amount financed $39,955, including $2,350 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,781. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN609862_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 662, "unit": "per_month", "display": "$662/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37605.0, "price_incl_doc": 37605.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.99, "amount_financed": 39955.31, "sales_tax": 2350.31, "total_of_payments": 47663.01, "finance_charge": 7707.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262929, VIN 7MMVABDL4TN609862. $662 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,605, before any dealer documentation fee. Amount financed $39,955, including $2,350 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,663. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN609862_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37605.0, "price_incl_doc": 37605.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.12, "amount_financed": 39955.31, "sales_tax": 2350.31, "total_of_payments": 49822.12, "finance_charge": 9866.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262929, VIN 7MMVABDL4TN609862. $593 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,605, before any dealer documentation fee. Amount financed $39,955, including $2,350 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,822. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN609862_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 537, "unit": "per_month", "display": "$537/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37605.0, "selling_price": 37605.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 537.35, "net_cap_cost": 38200.0, "residual_value": 23315.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 537.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 697.35}, "total_of_payments": 19332, "total_of_payments_unrounded": 19344.6}, "disclosure": "Estimated lease payment for stock #MD262929, VIN 7MMVABDL4TN609862. $537 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $697, made up of $537 first payment, $60 title, $100 registration. MSRP $37,605. Lease selling price $37,605. Net capitalized cost $38,200. Residual value $23,315, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,332. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN609862_lease", "type": "lease", "label": "Lease", "headline": {"value": 444, "unit": "per_month", "display": "$444/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37605.0, "selling_price": 37605.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 444.06, "net_cap_cost": 35201.0, "residual_value": 23315.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 444.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3603.06}, "total_of_payments": 15984, "total_of_payments_unrounded": 15986.16}, "disclosure": "Estimated lease payment for stock #MD262929, VIN 7MMVABDL4TN609862. $444 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,603, made up of $444 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,605. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39455.0, "price_incl_doc": 39455.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 800.55, "amount_financed": 41920.94, "sales_tax": 2465.94, "total_of_payments": 48032.71, "finance_charge": 6111.77, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA0T0205279, VIN JM3KMDHA0T0205279. $801 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,455, before any dealer documentation fee. Amount financed $41,921, including $2,466 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,033. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0205279_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 695, "unit": "per_month", "display": "$695/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39455.0, "price_incl_doc": 39455.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 694.55, "amount_financed": 41920.94, "sales_tax": 2465.94, "total_of_payments": 50007.83, "finance_charge": 8086.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA0T0205279, VIN JM3KMDHA0T0205279. $695 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,455, before any dealer documentation fee. Amount financed $41,921, including $2,466 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,008. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0205279_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 622, "unit": "per_month", "display": "$622/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39455.0, "price_incl_doc": 39455.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 622.3, "amount_financed": 41920.94, "sales_tax": 2465.94, "total_of_payments": 52273.15, "finance_charge": 10352.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA0T0205279, VIN JM3KMDHA0T0205279. $622 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,455, before any dealer documentation fee. Amount financed $41,921, including $2,466 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,273. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0205279_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 563, "unit": "per_month", "display": "$563/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39455.0, "selling_price": 39455.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 562.88, "net_cap_cost": 40050.0, "residual_value": 24462.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 562.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 722.88}, "total_of_payments": 20268, "total_of_payments_unrounded": 20263.68}, "disclosure": "Estimated lease payment for stock #JM3KMDHA0T0205279, VIN JM3KMDHA0T0205279. $563 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $723, made up of $563 first payment, $60 title, $100 registration. MSRP $39,455. Lease selling price $39,455. Net capitalized cost $40,050. Residual value $24,462, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,268. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA0T0205279_lease", "type": "lease", "label": "Lease", "headline": {"value": 470, "unit": "per_month", "display": "$470/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39455.0, "selling_price": 39455.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 469.58, "net_cap_cost": 37051.0, "residual_value": 24462.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 469.58, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3628.58}, "total_of_payments": 16920, "total_of_payments_unrounded": 16904.88}, "disclosure": "Estimated lease payment for stock #JM3KMDHA0T0205279, VIN JM3KMDHA0T0205279. $470 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,629, made up of $470 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,455. Lease selling price $39,455. Net capitalized cost $37,051. Residual value $24,462, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,920. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 391}}, {"vin": "JM1BPAKL2T1876939", "title": "2026 Mazda MAZDA3 Hatchback 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Hatchback", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 25842.0, "msrp": 28020.0, "sale_price": 25842.0, "currency": "USD", "mileage": 7, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "HATCHBACK", "vehicle_type": "car", "fuel_type": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,178. This offer applies to Stock #MD262726, VIN JM1BPAKL2T1876939. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $28,020. Advertised price: $25,842. Savings: $2,178, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$28,020"}, {"label": "Advertised price", "value": "$25,842"}, {"label": "Savings", "value": "$2,178, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,178", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25842.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPAKL2T1876939_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25842.0, "price_incl_doc": 25842.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 524.34, "amount_financed": 27457.13, "sales_tax": 1615.13, "total_of_payments": 31460.18, "finance_charge": 4003.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262726, VIN JM1BPAKL2T1876939. $524 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $25,842, before any dealer documentation fee. Amount financed $27,457, including $1,615 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $31,460. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL2T1876939_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 455, "unit": "per_month", "display": "$455/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25842.0, "price_incl_doc": 25842.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 454.91, "amount_financed": 27457.13, "sales_tax": 1615.13, "total_of_payments": 32753.83, "finance_charge": 5296.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262726, VIN JM1BPAKL2T1876939. $455 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $25,842, before any dealer documentation fee. Amount financed $27,457, including $1,615 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $32,754. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL2T1876939_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 408, "unit": "per_month", "display": "$408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25842.0, "price_incl_doc": 25842.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 407.59, "amount_financed": 27457.13, "sales_tax": 1615.13, "total_of_payments": 34237.56, "finance_charge": 6780.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262726, VIN JM1BPAKL2T1876939. $408 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $25,842, before any dealer documentation fee. Amount financed $27,457, including $1,615 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $34,238. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL2T1876939_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 337, "unit": "per_month", "display": "$337/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28020.0, "selling_price": 25842.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 337.35, "net_cap_cost": 26437.0, "residual_value": 17372.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 337.35, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 497.35}, "total_of_payments": 12132, "total_of_payments_unrounded": 12144.6}, "disclosure": "Estimated lease payment for stock #MD262726, VIN JM1BPAKL2T1876939. $337 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $497, made up of $337 first payment, $60 title, $100 registration. MSRP $28,020. Lease selling price $25,842. Net capitalized cost $26,437. Residual value $17,372, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,132. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL2T1876939_lease", "type": "lease", "label": "Lease", "headline": {"value": 244, "unit": "per_month", "display": "$244/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28020.0, "selling_price": 25842.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 244.06, "net_cap_cost": 23438.0, "residual_value": 17372.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 244.06, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3403.06}, "total_of_payments": 8784, "total_of_payments_unrounded": 8786.16}, "disclosure": "Estimated lease payment for stock #MD262726, VIN JM1BPAKL2T1876939. $244 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,403, made up of $244 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,020. Lease selling price $25,842. Net capitalized cost $23,438. Residual value $17,372, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $8,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 384}}, {"vin": "WA1VAAF7XJD023948", "title": "2018 Audi Q7 Prestige", "year": 2018, "make": "Audi", "model": "Q7", "trim": "Prestige", "decoded_trim": "quattro Prestige", "condition": "used", "price": 16816.0, "msrp": 16403.0, "sale_price": 16890.0, "currency": "USD", "mileage": 108886, "exterior_color": "Orca Black Metallic", "interior_color": "Brown", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Supercharger Premium Unleaded V-6 3.0 L/183", "engine_displacement_l": 3.0, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "MD262583AA", "stock_status": "Available", "availability": "In 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"body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3L 6-Cylinder V-Shaped", "engine_displacement_l": 3.0, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 16403.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wa1vaaf7xjd023948/2018-audi-q7-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wa1vaaf7xjd023948/2018-audi-q7-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/WA1VAAF7XJD023948.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/WA1VAAF7XJD023948.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/WA1VAAF7XJD023948.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/wa1vaaf7xjd023948/2018-audi-q7-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262583AA, VIN WA1VAAF7XJD023948. Advertised price: $16,816. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,816"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16816.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WA1VAAF7XJD023948_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 420, "unit": "per_month", "display": "$420/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16816.0, "price_incl_doc": 16816.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 419.53, "amount_financed": 17867.0, "sales_tax": 1051.0, "total_of_payments": 20137.2, "finance_charge": 2270.2, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262583AA, VIN WA1VAAF7XJD023948. $420 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,816, before any dealer documentation fee. Amount financed $17,867, including $1,051 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,137. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1VAAF7XJD023948_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 350, "unit": "per_month", "display": "$350/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16816.0, "price_incl_doc": 16816.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 349.5, "amount_financed": 17867.0, "sales_tax": 1051.0, "total_of_payments": 20970.28, "finance_charge": 3103.28, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262583AA, VIN WA1VAAF7XJD023948. $350 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,816, before any dealer documentation fee. Amount financed $17,867, including $1,051 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,970. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1VAAF7XJD023948_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 305, "unit": "per_month", "display": "$305/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16816.0, "price_incl_doc": 16816.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 304.53, "amount_financed": 17867.0, "sales_tax": 1051.0, "total_of_payments": 21926.07, "finance_charge": 4059.07, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262583AA, VIN WA1VAAF7XJD023948. $305 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,816, before any dealer documentation fee. Amount financed $17,867, including $1,051 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,926. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "5GAERBKW1LJ134122", "title": "2020 Buick Enclave Essence", "year": 2020, "make": "Buick", "model": "Enclave", "trim": "Essence", "decoded_trim": "Essence", "condition": "used", "price": 20183.0, "msrp": 19770.0, "sale_price": 19799.0, "currency": "USD", "mileage": 75319, "exterior_color": "Quicksilver Metallic", "interior_color": "Dark Galvanized with Ebony interior accents", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": 18, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "PHD0961A", "stock_status": "Available", "availability": "In Stock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PHD0961A, VIN 5GAERBKW1LJ134122. Advertised price: $20,183. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$20,183"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20183.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5GAERBKW1LJ134122_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 504, "unit": "per_month", "display": "$504/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20183.0, "price_incl_doc": 20183.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 503.52, "amount_financed": 21444.44, "sales_tax": 1261.44, "total_of_payments": 24169.2, "finance_charge": 2724.76, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0961A, VIN 5GAERBKW1LJ134122. $504 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,183, before any dealer documentation fee. Amount financed $21,444, including $1,261 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,169. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5GAERBKW1LJ134122_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20183.0, "price_incl_doc": 20183.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 419.48, "amount_financed": 21444.44, "sales_tax": 1261.44, "total_of_payments": 25169.08, "finance_charge": 3724.64, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0961A, VIN 5GAERBKW1LJ134122. $419 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,183, before any dealer documentation fee. Amount financed $21,444, including $1,261 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,169. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5GAERBKW1LJ134122_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 366, "unit": "per_month", "display": "$366/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20183.0, "price_incl_doc": 20183.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 365.5, "amount_financed": 21444.44, "sales_tax": 1261.44, "total_of_payments": 26316.25, "finance_charge": 4871.81, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0961A, VIN 5GAERBKW1LJ134122. $366 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $20,183, before any dealer documentation fee. Amount financed $21,444, including $1,261 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $26,316. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KMBHA8T0203865", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 34550.0, "msrp": 34550.0, "sale_price": 34550.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA8T0203865", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA8T0203865_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34550.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0203865/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0203865/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA8T0203865.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0203865.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0203865.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0203865/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. Advertised price: $34,550. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,550"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34550.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA8T0203865_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 701, "unit": "per_month", "display": "$701/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34550.0, "price_incl_doc": 34550.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.02, "amount_financed": 36709.38, "sales_tax": 2159.38, "total_of_payments": 42061.34, "finance_charge": 5351.96, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. $701 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,550, before any dealer documentation fee. Amount financed $36,709, including $2,159 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,061. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0203865_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 608, "unit": "per_month", "display": "$608/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34550.0, "price_incl_doc": 34550.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.21, "amount_financed": 36709.38, "sales_tax": 2159.38, "total_of_payments": 43790.92, "finance_charge": 7081.54, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. $608 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,550, before any dealer documentation fee. Amount financed $36,709, including $2,159 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,791. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0203865_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 545, "unit": "per_month", "display": "$545/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34550.0, "price_incl_doc": 34550.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 544.94, "amount_financed": 36709.38, "sales_tax": 2159.38, "total_of_payments": 45774.62, "finance_charge": 9065.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. $545 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,550, before any dealer documentation fee. Amount financed $36,709, including $2,159 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,775. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0203865_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34550.0, "selling_price": 34550.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.2, "net_cap_cost": 35145.0, "residual_value": 21421.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.2}, "total_of_payments": 17820, "total_of_payments_unrounded": 17827.2}, "disclosure": "Estimated lease payment for stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. $495 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $655, made up of $495 first payment, $60 title, $100 registration. MSRP $34,550. Lease selling price $34,550. Net capitalized cost $35,145. Residual value $21,421, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0203865_lease", "type": "lease", "label": "Lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34550.0, "selling_price": 34550.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.91, "net_cap_cost": 32146.0, "residual_value": 21421.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3560.91}, "total_of_payments": 14472, "total_of_payments_unrounded": 14468.76}, "disclosure": "Estimated lease payment for stock #JM3KMBHA8T0203865, VIN JM3KMBHA8T0203865. $402 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,561, made up of $402 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,550. Lease selling price $34,550. Net capitalized cost $32,146. Residual value $21,421, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 391}}, {"vin": "7MMVAABW2TN184391", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37240.0, "msrp": 37240.0, "sale_price": 37240.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAABW2TN184391", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW2TN184391_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37240.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw2tn184391/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw2tn184391/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW2TN184391.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW2TN184391.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW2TN184391.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw2tn184391/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. Advertised price: $37,240. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,240"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37240.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW2TN184391_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 756, "unit": "per_month", "display": "$756/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37240.0, "price_incl_doc": 37240.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 755.6, "amount_financed": 39567.5, "sales_tax": 2327.5, "total_of_payments": 45336.16, "finance_charge": 5768.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. $756 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,240, before any dealer documentation fee. Amount financed $39,568, including $2,328 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,336. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW2TN184391_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37240.0, "price_incl_doc": 37240.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.56, "amount_financed": 39567.5, "sales_tax": 2327.5, "total_of_payments": 47200.39, "finance_charge": 7632.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. $656 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,240, before any dealer documentation fee. Amount financed $39,568, including $2,328 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,200. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW2TN184391_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37240.0, "price_incl_doc": 37240.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.36, "amount_financed": 39567.5, "sales_tax": 2327.5, "total_of_payments": 49338.54, "finance_charge": 9771.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. $587 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,240, before any dealer documentation fee. Amount financed $39,568, including $2,328 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,339. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW2TN184391_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37240.0, "selling_price": 37240.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.32, "net_cap_cost": 37835.0, "residual_value": 23088.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.32}, "total_of_payments": 19152, "total_of_payments_unrounded": 19163.52}, "disclosure": "Estimated lease payment for stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. $532 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $692, made up of $532 first payment, $60 title, $100 registration. MSRP $37,240. Lease selling price $37,240. Net capitalized cost $37,835. Residual value $23,089, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,152. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW2TN184391_lease", "type": "lease", "label": "Lease", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37240.0, "selling_price": 37240.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.02, "net_cap_cost": 34836.0, "residual_value": 23088.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.02}, "total_of_payments": 15804, "total_of_payments_unrounded": 15804.72}, "disclosure": "Estimated lease payment for stock #7MMVAABW2TN184391, VIN 7MMVAABW2TN184391. $439 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,598, made up of $439 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,240. Lease selling price $37,240. Net capitalized cost $34,836. Residual value $23,089, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 373}}, {"vin": "JM3KMBHA5T0159386", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33165.0, "msrp": 34085.0, "sale_price": 33165.0, "currency": "USD", "mileage": 7, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $920. This offer applies to Stock #MD262872, VIN JM3KMBHA5T0159386. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,085. Advertised price: $33,165. Savings: $920, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,085"}, {"label": "Advertised price", "value": "$33,165"}, {"label": "Savings", "value": "$920, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $920", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33165.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA5T0159386_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33165.0, "price_incl_doc": 33165.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 672.92, "amount_financed": 35237.81, "sales_tax": 2072.81, "total_of_payments": 40375.23, "finance_charge": 5137.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262872, VIN JM3KMBHA5T0159386. $673 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,165, before any dealer documentation fee. Amount financed $35,238, including $2,073 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,375. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0159386_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 584, "unit": "per_month", "display": "$584/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33165.0, "price_incl_doc": 33165.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.83, "amount_financed": 35237.81, "sales_tax": 2072.81, "total_of_payments": 42035.47, "finance_charge": 6797.66, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262872, VIN JM3KMBHA5T0159386. $584 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,165, before any dealer documentation fee. Amount financed $35,238, including $2,073 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,035. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0159386_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33165.0, "price_incl_doc": 33165.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.09, "amount_financed": 35237.81, "sales_tax": 2072.81, "total_of_payments": 43939.65, "finance_charge": 8701.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262872, VIN JM3KMBHA5T0159386. $523 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,165, before any dealer documentation fee. Amount financed $35,238, including $2,073 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,940. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0159386_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34085.0, "selling_price": 33165.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 460.17, "net_cap_cost": 33760.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 460.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 620.17}, "total_of_payments": 16560, "total_of_payments_unrounded": 16566.12}, "disclosure": "Estimated lease payment for stock #MD262872, VIN JM3KMBHA5T0159386. $460 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $620, made up of $460 first payment, $60 title, $100 registration. MSRP $34,085. Lease selling price $33,165. Net capitalized cost $33,760. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,560. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0159386_lease", "type": "lease", "label": "Lease", "headline": {"value": 367, "unit": "per_month", "display": "$367/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34085.0, "selling_price": 33165.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 366.87, "net_cap_cost": 30761.0, "residual_value": 21132.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 366.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3525.87}, "total_of_payments": 13212, "total_of_payments_unrounded": 13207.32}, "disclosure": "Estimated lease payment for stock #MD262872, VIN JM3KMBHA5T0159386. $367 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,526, made up of $367 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,085. Lease selling price $33,165. Net capitalized cost $30,761. Residual value $21,133, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,212. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 403}}, {"vin": "3MVDMBDY2TM115099", "title": "2026 Mazda CX-30 2.5 Turbo Aire Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 Turbo Aire Edition AWD", "decoded_trim": "Premium Package", "condition": "new", "price": 37265.0, "msrp": 37265.0, "sale_price": 35184.0, "currency": "USD", "mileage": null, "exterior_color": "Snowflake White Pearl", "interior_color": "White/Gray Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262456X", "stock_status": "Available", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,265"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37265.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBDY2TM115099_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 692, "unit": "per_month", "display": "$692/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37265.0, "price_incl_doc": 37265.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.26, "amount_financed": 39594.06, "sales_tax": 2329.06, "total_of_payments": 41535.86, "finance_charge": 1941.8, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262456X, VIN 3MVDMBDY2TM115099. $692 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $37,265, before any dealer documentation fee. Amount financed $39,594, including $2,329 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $41,536. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY2TM115099_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37265.0, "price_incl_doc": 37265.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.76, "amount_financed": 39594.06, "sales_tax": 2329.06, "total_of_payments": 49371.66, "finance_charge": 9777.6, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262456X, VIN 3MVDMBDY2TM115099. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,265, before any dealer documentation fee. Amount financed $39,594, including $2,329 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,372. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY2TM115099_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37265.0, "selling_price": 37265.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.66, "net_cap_cost": 37860.0, "residual_value": 23104.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.66, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.66}, "total_of_payments": 19188, "total_of_payments_unrounded": 19175.76}, "disclosure": "Estimated lease payment for stock #MD262456X, VIN 3MVDMBDY2TM115099. $533 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $693, made up of $533 first payment, $60 title, $100 registration. MSRP $37,265. Lease selling price $37,265. Net capitalized cost $37,860. Residual value $23,104, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,188. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY2TM115099_lease", "type": "lease", "label": "Lease", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37265.0, "selling_price": 37265.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.37, "net_cap_cost": 34861.0, "residual_value": 23104.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.37, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.37}, "total_of_payments": 15804, "total_of_payments_unrounded": 15817.32}, "disclosure": "Estimated lease payment for stock #MD262456X, VIN 3MVDMBDY2TM115099. $439 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,598, made up of $439 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,265. Lease selling price $37,265. Net capitalized cost $34,861. Residual value $23,104, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 401}}, {"vin": "7MMVABBL9TN613120", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 34470.0, "msrp": 34470.0, "sale_price": 34470.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34470.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL9TN613120_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 699, "unit": "per_month", "display": "$699/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34470.0, "price_incl_doc": 34470.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.4, "amount_financed": 36624.38, "sales_tax": 2154.38, "total_of_payments": 41963.95, "finance_charge": 5339.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL9TN613120, VIN 7MMVABBL9TN613120. $699 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,470, before any dealer documentation fee. Amount financed $36,624, including $2,154 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,964. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN613120_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 607, "unit": "per_month", "display": "$607/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34470.0, "price_incl_doc": 34470.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 606.8, "amount_financed": 36624.38, "sales_tax": 2154.38, "total_of_payments": 43689.52, "finance_charge": 7065.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL9TN613120, VIN 7MMVABBL9TN613120. $607 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,470, before any dealer documentation fee. Amount financed $36,624, including $2,154 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,690. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN613120_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34470.0, "price_incl_doc": 34470.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.67, "amount_financed": 36624.38, "sales_tax": 2154.38, "total_of_payments": 45668.63, "finance_charge": 9044.25, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABBL9TN613120, VIN 7MMVABBL9TN613120. $544 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,470, before any dealer documentation fee. Amount financed $36,624, including $2,154 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,669. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN613120_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34470.0, "selling_price": 34470.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.1, "net_cap_cost": 35065.0, "residual_value": 21371.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 654.1}, "total_of_payments": 17784, "total_of_payments_unrounded": 17787.6}, "disclosure": "Estimated lease payment for stock #7MMVABBL9TN613120, VIN 7MMVABBL9TN613120. $494 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $654, made up of $494 first payment, $60 title, $100 registration. MSRP $34,470. Lease selling price $34,470. Net capitalized cost $35,065. Residual value $21,371, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN613120_lease", "type": "lease", "label": "Lease", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34470.0, "selling_price": 34470.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.81, "net_cap_cost": 32066.0, "residual_value": 21371.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.81}, "total_of_payments": 14436, "total_of_payments_unrounded": 14429.16}, "disclosure": "Estimated lease payment for stock #7MMVABBL9TN613120, VIN 7MMVABBL9TN613120. $401 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,560, made up of $401 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,470. Lease selling price $34,470. Net capitalized cost $32,066. Residual value $21,371, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,436. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 432}}, {"vin": "3VV5B7AX7RM214290", "title": "2024 Volkswagen Tiguan Wolfsburg Edition", "year": 2024, "make": "Volkswagen", "model": "Tiguan", "trim": "Wolfsburg Edition", "decoded_trim": "4Motion Wolfsburg Edition", "condition": "used", "price": 25403.0, "msrp": 24990.0, "sale_price": 25880.0, "currency": "USD", "mileage": 30602, "exterior_color": "Pure White", "interior_color": "Titan Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV0983, VIN 3VV5B7AX7RM214290. Advertised price: $25,403. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,403"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25403.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV5B7AX7RM214290_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25403.0, "price_incl_doc": 25403.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.75, "amount_financed": 26990.69, "sales_tax": 1587.69, "total_of_payments": 30420.16, "finance_charge": 3429.47, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0983, VIN 3VV5B7AX7RM214290. $634 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,403, before any dealer documentation fee. Amount financed $26,991, including $1,588 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,420. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5B7AX7RM214290_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25403.0, "price_incl_doc": 25403.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.98, "amount_financed": 26990.69, "sales_tax": 1587.69, "total_of_payments": 31678.65, "finance_charge": 4687.96, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0983, VIN 3VV5B7AX7RM214290. $528 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,403, before any dealer documentation fee. Amount financed $26,991, including $1,588 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,679. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5B7AX7RM214290_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25403.0, "price_incl_doc": 25403.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.03, "amount_financed": 26990.69, "sales_tax": 1587.69, "total_of_payments": 33122.51, "finance_charge": 6131.82, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0983, VIN 3VV5B7AX7RM214290. $460 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,403, before any dealer documentation fee. Amount financed $26,991, including $1,588 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,123. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "KM8JADD15TU416369", "title": "2026 Hyundai Tucson Hybrid Blue SE", "year": 2026, "make": "Hyundai", "model": "Tucson Hybrid", "trim": "Blue SE", "decoded_trim": "Blue SE", "condition": "used", "price": 32401.0, "msrp": 31988.0, "sale_price": 32403.0, "currency": "USD", "mileage": 13, "exterior_color": "Cashmere Bronze", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 1.6 L/98", "engine_displacement_l": 1.6, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 38, "mpg_hwy": 38, "range_miles": null, "battery_kwh": null, "stock_number": "LHD260299", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/96780c00f46f459a8e80698978833d4d.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/96780c00f46f459a8e80698978833d4d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1bd52edcef3d46739f35a2c889576a63.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/9b966ee5446e49238dc3ecacb5401c74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a8f3c7d73dfe4a92b03046344e85a957.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/24b5ef50289c4a52b2656cc9afc21e2b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c56cc44f170440b4a6fa9d46803c28b1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b433e29bc2d04a44a120a41237fa1362.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38c8e3d40e6f4e72b1c5b8d10c5c7e2c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40eaf323e87540ac970e894f66c5c5f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dbbde82b378d45739c3e59605c54fc60.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/fbee1d6a4b3b469d93bdc8fcdefb8644.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/12df352b5d864e289b592d9a6f860584.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d29873ebb17744f69f11547851f335a6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1c64b6812d0745238aa2f02c467338d9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/917fff174430482685631d317e9e9e1f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/447489cb75264a828ac5eafa168c05d6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bd54919d54ee4efe8205b5843d4c594a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cdec0013a39b4de6b479f7ba94de5dc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/92e6c123b06a42ae898949fc4f5873d8.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "Blue SE", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L 4-Cylinder", "engine_displacement_l": 1.6, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 31988.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KM8JADD15TU416369.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd15tu416369/2026-hyundai-tucson-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd15tu416369/2026-hyundai-tucson-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8JADD15TU416369.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8JADD15TU416369.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8JADD15TU416369.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8jadd15tu416369/2026-hyundai-tucson-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #LHD260299, VIN KM8JADD15TU416369. Advertised price: $32,401. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,401"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32401.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32401.0, "price_incl_doc": 32401.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.34, "amount_financed": 34426.06, "sales_tax": 2025.06, "total_of_payments": 38800.28, "finance_charge": 4374.22, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260299, VIN KM8JADD15TU416369. $808 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,401, before any dealer documentation fee. Amount financed $34,426, including $2,025 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $38,800. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8JADD15TU416369_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32401.0, "price_incl_doc": 32401.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.42, "amount_financed": 34426.06, "sales_tax": 2025.06, "total_of_payments": 40405.45, "finance_charge": 5979.39, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260299, VIN KM8JADD15TU416369. $673 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,401, before any dealer documentation fee. Amount financed $34,426, including $2,025 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,405. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24819.0, "price_incl_doc": 24819.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 619.18, "amount_financed": 26370.19, "sales_tax": 1551.19, "total_of_payments": 29720.82, "finance_charge": 3350.63, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1031, VIN 3VV5B7AX0RM212865. $619 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,819, before any dealer documentation fee. Amount financed $26,370, including $1,551 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,721. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5B7AX0RM212865_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24819.0, "price_incl_doc": 24819.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 515.84, "amount_financed": 26370.19, "sales_tax": 1551.19, "total_of_payments": 30950.37, "finance_charge": 4580.18, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1031, VIN 3VV5B7AX0RM212865. $516 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,819, before any dealer documentation fee. Amount financed $26,370, including $1,551 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,950. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV5B7AX0RM212865_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 449, "unit": "per_month", "display": "$449/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24819.0, "price_incl_doc": 24819.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 449.46, "amount_financed": 26370.19, "sales_tax": 1551.19, "total_of_payments": 32361.04, "finance_charge": 5990.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1031, VIN 3VV5B7AX0RM212865. $449 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,819, before any dealer documentation fee. Amount financed $26,370, including $1,551 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,361. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM1BPAKL5T1856233", "title": "2026 Mazda MAZDA3 Hatchback 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Hatchback", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "used", "price": 27990.0, "msrp": 27577.0, "sale_price": 28390.0, "currency": "USD", "mileage": 6226, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black", "drivetrain": "FWD", "body_style": "Hatchback", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 26, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0916", "stock_status": "Available", 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"fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27577.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm1bpakl5t1856233/2026-mazda-mazda3-hatchback-", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm1bpakl5t1856233/2026-mazda-mazda3-hatchback-", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPAKL5T1856233.html", "json_url": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0916, VIN JM1BPAKL5T1856233. Advertised price: $27,990. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,990"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27990.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPAKL5T1856233_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 698, "unit": "per_month", "display": "$698/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27990.0, "price_incl_doc": 27990.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.29, "amount_financed": 29739.38, "sales_tax": 1749.38, "total_of_payments": 33518.11, "finance_charge": 3778.73, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0916, VIN JM1BPAKL5T1856233. $698 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,990, before any dealer documentation fee. Amount financed $29,739, including $1,749 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,518. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL5T1856233_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27990.0, "price_incl_doc": 27990.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.75, "amount_financed": 29739.38, "sales_tax": 1749.38, "total_of_payments": 34904.75, "finance_charge": 5165.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0916, VIN JM1BPAKL5T1856233. $582 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,990, before any dealer documentation fee. Amount financed $29,739, including $1,749 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,905. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAKL5T1856233_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27990.0, "price_incl_doc": 27990.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 506.88, "amount_financed": 29739.38, "sales_tax": 1749.38, "total_of_payments": 36495.65, "finance_charge": 6756.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0916, VIN JM1BPAKL5T1856233. $507 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,990, before any dealer documentation fee. Amount financed $29,739, including $1,749 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,496. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "1GNEVJRS1SJ261093", "title": "2025 Chevrolet Traverse AWD Z71", "year": 2025, "make": "Chevrolet", "model": "Traverse", "trim": "AWD Z71", "decoded_trim": "Z71", "condition": "used", "price": 46890.0, "msrp": 46477.0, "sale_price": 46890.0, "currency": "USD", "mileage": 18969, "exterior_color": "Sterling Gray Metallic", "interior_color": "Z71 Jet Black with Torch Red accents", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas I4 2.5L/", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic", "mpg_city": 19, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "HD261013A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHS29_640/2025CHS292055004_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025CHS29_640/2025CHS292055004_640_01.jpg"], "vin_decode": {"make": "Chevrolet", "model": "Traverse", "year": 2025, "trim": "Z71", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46477.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/1GNEVJRS1SJ261093.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gnevjrs1sj261093/2025-chevrolet-traverse-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gnevjrs1sj261093/2025-chevrolet-traverse-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1GNEVJRS1SJ261093.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1GNEVJRS1SJ261093.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1GNEVJRS1SJ261093.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gnevjrs1sj261093/2025-chevrolet-traverse-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD261013A, VIN 1GNEVJRS1SJ261093. Advertised price: $46,890. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$46,890"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46890.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GNEVJRS1SJ261093_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1170, "unit": "per_month", "display": "$1,170/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46890.0, "price_incl_doc": 46890.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1169.81, "amount_financed": 49820.63, "sales_tax": 2930.63, "total_of_payments": 56150.91, "finance_charge": 6330.28, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261013A, VIN 1GNEVJRS1SJ261093. $1,170 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,890, before any dealer documentation fee. Amount financed $49,821, including $2,931 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,151. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNEVJRS1SJ261093_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 975, "unit": "per_month", "display": "$975/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46890.0, "price_incl_doc": 46890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 974.56, "amount_financed": 49820.63, "sales_tax": 2930.63, "total_of_payments": 58473.87, "finance_charge": 8653.24, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261013A, VIN 1GNEVJRS1SJ261093. $975 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,890, before any dealer documentation fee. Amount financed $49,821, including $2,931 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,474. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GNEVJRS1SJ261093_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 849, "unit": "per_month", "display": "$849/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46890.0, "price_incl_doc": 46890.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 849.15, "amount_financed": 49820.63, "sales_tax": 2930.63, "total_of_payments": 61139.02, "finance_charge": 11318.39, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261013A, VIN 1GNEVJRS1SJ261093. $849 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,890, before any dealer documentation fee. Amount financed $49,821, including $2,931 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,139. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 1}}, {"vin": "1C4PJLCSXEW191795", "title": "2014 Jeep Cherokee Latitude", "year": 2014, "make": "Jeep", "model": "Cherokee", "trim": "Latitude", "decoded_trim": "Latitude", "condition": "used", "price": 9977.0, "msrp": 9977.0, "sale_price": 9977.0, "currency": "USD", "mileage": 102856, "exterior_color": "Deep Cherry Red Crystal Pearlcoat", "interior_color": "Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.2 L/198", "engine_displacement_l": 3.2, "engine_cylinders": 6, "transmission": "9-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0906A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2014JEE007a_640/2014JEE007a_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2014JEE007a_640/2014JEE007a_640_01.jpg"], "vin_decode": {"make": "Jeep", "model": "Cherokee", "year": 2014, "trim": "Latitude", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.2L 6-Cylinder", "engine_displacement_l": 3.2, "cylinders": 6, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 9977.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/1C4PJLCSXEW191795.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1c4pjlcsxew191795/2014-jeep-cherokee-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1c4pjlcsxew191795/2014-jeep-cherokee-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1C4PJLCSXEW191795.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1C4PJLCSXEW191795.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1C4PJLCSXEW191795.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1c4pjlcsxew191795/2014-jeep-cherokee-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0906A, VIN 1C4PJLCSXEW191795. Advertised price: $9,977. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$9,977"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 9977.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4PJLCSXEW191795_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 249, "unit": "per_month", "display": "$249/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9977.0, "price_incl_doc": 9977.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 248.91, "amount_financed": 10600.56, "sales_tax": 623.56, "total_of_payments": 11947.48, "finance_charge": 1346.92, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0906A, VIN 1C4PJLCSXEW191795. $249 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $9,977, before any dealer documentation fee. Amount financed $10,601, including $624 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $11,947. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4PJLCSXEW191795_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 207, "unit": "per_month", "display": "$207/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9977.0, "price_incl_doc": 9977.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 207.36, "amount_financed": 10600.56, "sales_tax": 623.56, "total_of_payments": 12441.75, "finance_charge": 1841.19, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0906A, VIN 1C4PJLCSXEW191795. $207 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $9,977, before any dealer documentation fee. Amount financed $10,601, including $624 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $12,442. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4PJLCSXEW191795_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 181, "unit": "per_month", "display": "$181/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 9977.0, "price_incl_doc": 9977.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 180.68, "amount_financed": 10600.56, "sales_tax": 623.56, "total_of_payments": 13008.82, "finance_charge": 2408.26, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0906A, VIN 1C4PJLCSXEW191795. $181 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $9,977, before any dealer documentation fee. Amount financed $10,601, including $624 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $13,009. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp3dg1xth087194/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMP3DG1XTH087194.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMP3DG1XTH087194.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMP3DG1XTH087194.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp3dg1xth087194/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262404A, VIN 5NMP3DG1XTH087194. Advertised price: $41,943. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,943"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41943.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP3DG1XTH087194_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1046, "unit": "per_month", "display": "$1,046/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41943.0, "price_incl_doc": 41943.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1046.39, "amount_financed": 44564.44, "sales_tax": 2621.44, "total_of_payments": 50226.86, "finance_charge": 5662.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262404A, VIN 5NMP3DG1XTH087194. $1,046 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $41,943, before any dealer documentation fee. Amount financed $44,564, including $2,621 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $50,227. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP3DG1XTH087194_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 872, "unit": "per_month", "display": "$872/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41943.0, "price_incl_doc": 41943.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 871.75, "amount_financed": 44564.44, "sales_tax": 2621.44, "total_of_payments": 52304.74, "finance_charge": 7740.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262404A, VIN 5NMP3DG1XTH087194. $872 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $41,943, before any dealer documentation fee. Amount financed $44,564, including $2,621 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,305. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP3DG1XTH087194_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 760, "unit": "per_month", "display": "$760/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41943.0, "price_incl_doc": 41943.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 759.57, "amount_financed": 44564.44, "sales_tax": 2621.44, "total_of_payments": 54688.71, "finance_charge": 10124.27, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262404A, VIN 5NMP3DG1XTH087194. $760 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $41,943, before any dealer documentation fee. Amount financed $44,564, including $2,621 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $54,689. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8rjes24tu041191/2026-hyundai-palisade-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8RJES24TU041191.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8RJES24TU041191.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8RJES24TU041191.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8rjes24tu041191/2026-hyundai-palisade-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46965.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8RJES24TU041191_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1172, "unit": "per_month", "display": "$1,172/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1171.68, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 56240.71, "finance_charge": 6340.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260120, VIN KM8RJES24TU041191. $1,172 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,241. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8RJES24TU041191_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 976, "unit": "per_month", "display": "$976/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 976.12, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 58567.39, "finance_charge": 8667.08, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260120, VIN KM8RJES24TU041191. $976 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,567. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 850.51, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 61236.8, "finance_charge": 11336.49, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260120, VIN KM8RJES24TU041191. $851 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,237. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC2KVEG9JZ102173_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37348.0, "price_incl_doc": 37348.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 776.24, "amount_financed": 39682.25, "sales_tax": 2334.25, "total_of_payments": 46574.58, "finance_charge": 6892.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260669A, VIN 1GC2KVEG9JZ102173. $776 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,348, before any dealer documentation fee. Amount financed $39,682, including $2,334 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,575. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GC2KVEG9JZ102173_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37348.0, "price_incl_doc": 37348.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 676.35, "amount_financed": 39682.25, "sales_tax": 2334.25, "total_of_payments": 48697.37, "finance_charge": 9015.12, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260669A, VIN 1GC2KVEG9JZ102173. $676 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,348, before any dealer documentation fee. Amount financed $39,682, including $2,334 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,697. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,405"}, {"label": "Advertised price", "value": "$33,475"}, {"label": "Savings", "value": "$930, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $930", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33475.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA1T0160499_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 679, "unit": "per_month", "display": "$679/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33475.0, "price_incl_doc": 33475.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 679.21, "amount_financed": 35567.19, "sales_tax": 2092.19, "total_of_payments": 40752.63, "finance_charge": 5185.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262870, VIN JM3KMBHA1T0160499. $679 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,475, before any dealer documentation fee. Amount financed $35,567, including $2,092 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,753. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0160499_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33475.0, "price_incl_doc": 33475.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.28, "amount_financed": 35567.19, "sales_tax": 2092.19, "total_of_payments": 42428.39, "finance_charge": 6861.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262870, VIN JM3KMBHA1T0160499. $589 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,475, before any dealer documentation fee. Amount financed $35,567, including $2,092 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,428. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0160499_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33475.0, "price_incl_doc": 33475.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.98, "amount_financed": 35567.19, "sales_tax": 2092.19, "total_of_payments": 44350.37, "finance_charge": 8783.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262870, VIN JM3KMBHA1T0160499. $528 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,475, before any dealer documentation fee. Amount financed $35,567, including $2,092 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,350. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0160499_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34405.0, "selling_price": 33475.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.27, "net_cap_cost": 34070.0, "residual_value": 21331.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 624.27}, "total_of_payments": 16704, "total_of_payments_unrounded": 16713.72}, "disclosure": "Estimated lease payment for stock #MD262870, VIN JM3KMBHA1T0160499. $464 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $624, made up of $464 first payment, $60 title, $100 registration. MSRP $34,405. Lease selling price $33,475. Net capitalized cost $34,070. Residual value $21,331, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,704. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0160499_lease", "type": "lease", "label": "Lease", "headline": {"value": 371, "unit": "per_month", "display": "$371/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34405.0, "selling_price": 33475.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.98, "net_cap_cost": 31071.0, "residual_value": 21331.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.98}, "total_of_payments": 13356, "total_of_payments_unrounded": 13355.28}, "disclosure": "Estimated lease payment for stock #MD262870, VIN JM3KMBHA1T0160499. $371 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,530, made up of $371 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,405. Lease selling price $33,475. Net capitalized cost $31,071. Residual value $21,331, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 450}}, {"vin": "KMUHEESC1SU290105", "title": "2025 Genesis GV80 3.5T Prestige", "year": 2025, "make": "Genesis", "model": "GV80", "trim": "3.5T Prestige", "decoded_trim": "3.5T Prestige", "condition": "used", "price": 68664.0, "msrp": 68251.0, "sale_price": 69305.0, "currency": "USD", "mileage": 11021, "exterior_color": "Capri Blue", "interior_color": "Glacier White/Blue", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Twin Turbo Premium Unleaded V-6 3.5 L/212", "engine_displacement_l": 3.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 16, "mpg_hwy": 22, "range_miles": null, "battery_kwh": null, "stock_number": "GD261273A", "stock_status": "Available", "availability": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #GD261273A, VIN KMUHEESC1SU290105. Advertised price: $68,664. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$68,664"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 68664.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMUHEESC1SU290105_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1713, "unit": "per_month", "display": "$1,713/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 68664.0, "price_incl_doc": 68664.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1713.03, "amount_financed": 72955.5, "sales_tax": 4291.5, "total_of_payments": 82225.32, "finance_charge": 9269.82, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261273A, VIN KMUHEESC1SU290105. $1,713 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $68,664, before any dealer documentation fee. Amount financed $72,956, including $4,292 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $82,225. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUHEESC1SU290105_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1427, "unit": "per_month", "display": "$1,427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 68664.0, "price_incl_doc": 68664.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1427.12, "amount_financed": 72955.5, "sales_tax": 4291.5, "total_of_payments": 85626.99, "finance_charge": 12671.49, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261273A, VIN KMUHEESC1SU290105. $1,427 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $68,664, before any dealer documentation fee. Amount financed $72,956, including $4,292 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $85,627. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUHEESC1SU290105_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1243, "unit": "per_month", "display": "$1,243/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 68664.0, "price_incl_doc": 68664.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1243.47, "amount_financed": 72955.5, "sales_tax": 4291.5, "total_of_payments": 89529.73, "finance_charge": 16574.23, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261273A, VIN KMUHEESC1SU290105. $1,243 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $68,664, before any dealer documentation fee. Amount financed $72,956, including $4,292 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $89,530. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,563"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30563.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2JNPE8XPC052689_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30563.0, "price_incl_doc": 30563.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 762.48, "amount_financed": 32473.19, "sales_tax": 1910.19, "total_of_payments": 36599.28, "finance_charge": 4126.09, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1057, VIN 1V2JNPE8XPC052689. $762 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,563, before any dealer documentation fee. Amount financed $32,473, including $1,910 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,599. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2JNPE8XPC052689_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 635, "unit": "per_month", "display": "$635/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30563.0, "price_incl_doc": 30563.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 635.22, "amount_financed": 32473.19, "sales_tax": 1910.19, "total_of_payments": 38113.39, "finance_charge": 5640.2, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1057, VIN 1V2JNPE8XPC052689. $635 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,563, before any dealer documentation fee. Amount financed $32,473, including $1,910 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,113. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2JNPE8XPC052689_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30563.0, "price_incl_doc": 30563.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 553.48, "amount_financed": 32473.19, "sales_tax": 1910.19, "total_of_payments": 39850.54, "finance_charge": 7377.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1057, VIN 1V2JNPE8XPC052689. $553 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,563, before any dealer documentation fee. Amount financed $32,473, including $1,910 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,851. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM1BPABLXT1900520", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27910.0, "msrp": 27910.0, "sale_price": 27910.0, "currency": "USD", "mileage": null, "exterior_color": "Ceramic Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABLXT1900520", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABLXT1900520_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27910.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpablxt1900520/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpablxt1900520/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABLXT1900520.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABLXT1900520.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABLXT1900520.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpablxt1900520/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. Advertised price: $27,910. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,910"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27910.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABLXT1900520_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27910.0, "price_incl_doc": 27910.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.3, "amount_financed": 29654.38, "sales_tax": 1744.38, "total_of_payments": 33977.78, "finance_charge": 4323.4, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. $566 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,910, before any dealer documentation fee. Amount financed $29,654, including $1,744 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,978. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1900520_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27910.0, "price_incl_doc": 27910.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.32, "amount_financed": 29654.38, "sales_tax": 1744.38, "total_of_payments": 35374.95, "finance_charge": 5720.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. $491 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,910, before any dealer documentation fee. Amount financed $29,654, including $1,744 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,375. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1900520_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 440, "unit": "per_month", "display": "$440/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27910.0, "price_incl_doc": 27910.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 440.21, "amount_financed": 29654.38, "sales_tax": 1744.38, "total_of_payments": 36977.41, "finance_charge": 7323.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. $440 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,910, before any dealer documentation fee. Amount financed $29,654, including $1,744 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,977. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1900520_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 404, "unit": "per_month", "display": "$404/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27910.0, "selling_price": 27910.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 403.59, "net_cap_cost": 28505.0, "residual_value": 17304.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 403.59, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 563.59}, "total_of_payments": 14544, "total_of_payments_unrounded": 14529.24}, "disclosure": "Estimated lease payment for stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. $404 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $564, made up of $404 first payment, $60 title, $100 registration. MSRP $27,910. Lease selling price $27,910. Net capitalized cost $28,505. Residual value $17,304, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,544. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1900520_lease", "type": "lease", "label": "Lease", "headline": {"value": 310, "unit": "per_month", "display": "$310/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27910.0, "selling_price": 27910.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 310.3, "net_cap_cost": 25506.0, "residual_value": 17304.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 310.3, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3469.3}, "total_of_payments": 11160, "total_of_payments_unrounded": 11170.8}, "disclosure": "Estimated lease payment for stock #JM1BPABLXT1900520, VIN JM1BPABLXT1900520. $310 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,469, made up of $310 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,910. Lease selling price $27,910. Net capitalized cost $25,506. Residual value $17,304, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,160. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 452}}, {"vin": "KL79MPSL5PB200492", "title": "2023 Chevrolet Trailblazer LT", "year": 2023, "make": "Chevrolet", "model": "Trailblazer", "trim": "LT", "decoded_trim": "LT", "condition": "used", "price": 22811.0, "msrp": 22398.0, "sale_price": 22811.0, "currency": "USD", "mileage": 14014, "exterior_color": "Sterling Gray Metallic", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29321.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCMXS0686933_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 732, "unit": "per_month", "display": "$732/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29321.0, "price_incl_doc": 29321.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.5, "amount_financed": 31153.56, "sales_tax": 1832.56, "total_of_payments": 35111.97, "finance_charge": 3958.41, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN JM3KFBCMXS0686933. $732 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,321, before any dealer documentation fee. Amount financed $31,154, including $1,833 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,112. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCMXS0686933_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29321.0, "price_incl_doc": 29321.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.41, "amount_financed": 31153.56, "sales_tax": 1832.56, "total_of_payments": 36564.56, "finance_charge": 5411.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN JM3KFBCMXS0686933. $609 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,321, before any dealer documentation fee. Amount financed $31,154, including $1,833 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,565. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCMXS0686933_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29321.0, "price_incl_doc": 29321.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.99, "amount_financed": 31153.56, "sales_tax": 1832.56, "total_of_payments": 38231.11, "finance_charge": 7077.55, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN JM3KFBCMXS0686933. $531 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,321, before any dealer documentation fee. Amount financed $31,154, including $1,833 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,231. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 22663.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABM7S1761342_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22663.0, "price_incl_doc": 22663.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.4, "amount_financed": 24079.44, "sales_tax": 1416.44, "total_of_payments": 27139.01, "finance_charge": 3059.57, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0918, VIN JM1BPABM7S1761342. $565 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $22,663, before any dealer documentation fee. Amount financed $24,079, including $1,416 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,139. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABM7S1761342_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22663.0, "price_incl_doc": 22663.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 471.03, "amount_financed": 24079.44, "sales_tax": 1416.44, "total_of_payments": 28261.75, "finance_charge": 4182.31, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0918, VIN JM1BPABM7S1761342. $471 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $22,663, before any dealer documentation fee. Amount financed $24,079, including $1,416 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,262. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABM7S1761342_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 410, "unit": "per_month", "display": "$410/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22663.0, "price_incl_doc": 22663.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 410.41, "amount_financed": 24079.44, "sales_tax": 1416.44, "total_of_payments": 29549.87, "finance_charge": 5470.43, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0918, VIN JM1BPABM7S1761342. $410 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,663, before any dealer documentation fee. Amount financed $24,079, including $1,416 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,550. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,361"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:07Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41361.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJDHC8S1108379_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1012, "unit": "per_month", "display": "$1,012/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41361.0, "price_incl_doc": 41361.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 4.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1011.85, "amount_financed": 43946.06, "sales_tax": 2585.06, "total_of_payments": 48568.69, "finance_charge": 4622.63, "per_1000_financed": 23.02, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN JM3KJDHC8S1108379. $1,012 per month for 48 months at 4.99% APR, $0 cash down. Advertised price $41,361, before any dealer documentation fee. Amount financed $43,946, including $2,585 estimated sales tax at 6.25%. That is $23.02 per $1,000 financed. Total of payments $48,569. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHC8S1108379_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 839, "unit": "per_month", "display": "$839/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41361.0, "price_incl_doc": 41361.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 839.22, "amount_financed": 43946.06, "sales_tax": 2585.06, "total_of_payments": 50353.08, "finance_charge": 6407.02, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for this vehicle, VIN JM3KJDHC8S1108379. $839 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,361, before any dealer documentation fee. Amount financed $43,946, including $2,585 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,353. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0164458/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,102. This offer applies to Stock #MD262897, VIN JM3KMCHAXT0164458. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,245. Advertised price: $36,143. Savings: $1,102, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,245"}, {"label": "Advertised price", "value": "$36,143"}, {"label": "Savings", "value": "$1,102, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,102", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36143.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0164458_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36143.0, "price_incl_doc": 36143.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.34, "amount_financed": 38401.94, "sales_tax": 2258.94, "total_of_payments": 44000.67, "finance_charge": 5598.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262897, VIN JM3KMCHAXT0164458. $733 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,143, before any dealer documentation fee. Amount financed $38,402, including $2,259 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,001. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0164458_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36143.0, "price_incl_doc": 36143.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.25, "amount_financed": 38401.94, "sales_tax": 2258.94, "total_of_payments": 45809.98, "finance_charge": 7408.04, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262897, VIN JM3KMCHAXT0164458. $636 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,143, before any dealer documentation fee. Amount financed $38,402, including $2,259 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,810. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0164458_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36143.0, "price_incl_doc": 36143.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.06, "amount_financed": 38401.94, "sales_tax": 2258.94, "total_of_payments": 47885.15, "finance_charge": 9483.21, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262897, VIN JM3KMCHAXT0164458. $570 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,143, before any dealer documentation fee. Amount financed $38,402, including $2,259 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,885. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0164458_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 498, "unit": "per_month", "display": "$498/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37245.0, "selling_price": 36143.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 498.1, "net_cap_cost": 36738.0, "residual_value": 23091.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 658.1}, "total_of_payments": 17928, "total_of_payments_unrounded": 17931.6}, "disclosure": "Estimated lease payment for stock #MD262897, VIN JM3KMCHAXT0164458. $498 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $658, made up of $498 first payment, $60 title, $100 registration. MSRP $37,245. Lease selling price $36,143. Net capitalized cost $36,738. Residual value $23,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,928. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0164458_lease", "type": "lease", "label": "Lease", "headline": {"value": 405, "unit": "per_month", "display": "$405/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37245.0, "selling_price": 36143.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 404.81, "net_cap_cost": 33739.0, "residual_value": 23091.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 404.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3563.81}, "total_of_payments": 14580, "total_of_payments_unrounded": 14573.16}, "disclosure": "Estimated lease payment for stock #MD262897, VIN JM3KMCHAXT0164458. $405 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,564, made up of $405 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,245. Lease selling price $36,143. Net capitalized cost $33,739. Residual value $23,092, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,580. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 465}}, {"vin": "7MMVAADW0TN156165", "title": "2026 Mazda CX-50 Hybrid Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 40805.0, "msrp": 40805.0, "sale_price": 38173.0, "currency": "USD", "mileage": 200, "exterior_color": "Wind Chill Pearl", "interior_color": "Red Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "MD262581XX", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262581XX, VIN 7MMVAADW0TN156165. Advertised price: $40,805. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$40,805"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40805.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAADW0TN156165_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 828, "unit": "per_month", "display": "$828/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40805.0, "price_incl_doc": 40805.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 827.94, "amount_financed": 43355.31, "sales_tax": 2550.31, "total_of_payments": 49676.2, "finance_charge": 6320.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262581XX, VIN 7MMVAADW0TN156165. $828 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,805, before any dealer documentation fee. Amount financed $43,355, including $2,550 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,676. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW0TN156165_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40805.0, "price_incl_doc": 40805.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 718.32, "amount_financed": 43355.31, "sales_tax": 2550.31, "total_of_payments": 51718.9, "finance_charge": 8363.59, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262581XX, VIN 7MMVAADW0TN156165. $718 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,805, before any dealer documentation fee. Amount financed $43,355, including $2,550 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,719. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW0TN156165_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40805.0, "price_incl_doc": 40805.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 643.59, "amount_financed": 43355.31, "sales_tax": 2550.31, "total_of_payments": 54061.73, "finance_charge": 10706.42, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262581XX, VIN 7MMVAADW0TN156165. $644 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,805, before any dealer documentation fee. Amount financed $43,355, including $2,550 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,062. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW0TN156165_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40805.0, "selling_price": 40805.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 581.5, "net_cap_cost": 41400.0, "residual_value": 25299.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 581.5, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 741.5}, "total_of_payments": 20952, "total_of_payments_unrounded": 20934.0}, "disclosure": "Estimated lease payment for stock #MD262581XX, VIN 7MMVAADW0TN156165. $582 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $742, made up of $582 first payment, $60 title, $100 registration. MSRP $40,805. Lease selling price $40,805. Net capitalized cost $41,400. Residual value $25,299, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,952. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW0TN156165_lease", "type": "lease", "label": "Lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40805.0, "selling_price": 40805.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 488.21, "net_cap_cost": 38401.0, "residual_value": 25299.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 488.21, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3647.21}, "total_of_payments": 17568, "total_of_payments_unrounded": 17575.56}, "disclosure": "Estimated lease payment for stock #MD262581XX, VIN 7MMVAADW0TN156165. $488 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,647, made up of $488 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,805. Lease selling price $40,805. Net capitalized cost $38,401. Residual value $25,299, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 434}}, {"vin": "5NMJBCDEXTH651078", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 31401.0, "msrp": 30988.0, "sale_price": 31506.0, "currency": "USD", "mileage": 1000, "exterior_color": "Ecotronic Gray", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "HD260366", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 21, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/2bd3f15da47e4c61a4065bc4e770b4b9.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/2bd3f15da47e4c61a4065bc4e770b4b9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/53e3e15c8dbe421699428f5c60f1eafc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3f5e204b3ed452ba63e308e4a1f50ce.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5e6b671910934bd8a08df68a494811a3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/852ab54dbbba4c4e8e78eb22f671f475.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/46d46deec76a44ceb166552d14df141e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/49a0d10f67c649e683abf10d6cf7c7d7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6ab06c3ef5324f7eb5507bf2f1569c06.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a7210bc30c8044b389fa1c4a3c87fbe3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/84889b7532c247eabaedb09e1bc1bbd5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/745f9d835c784859985a4fc8cbfd8f49.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ac4b7a3366fb4e72a70cbc511261cc0e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e72b7da7273c4c4388542f4c583d8ecd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7c3c041db7294e8b9b45c19afe9c641a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/91135c14a2ea4ea8a8ebcccbb05003cf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6a7ed57627ef4b42b685349a591e2d10.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/be465bfba7cc489fa05588ad3b1abafa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3d55faf1881645d288bb6065bdbc6eec.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/7584f43e38cd44e48a4611e4c608b4af.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b3b4c6b38a0c4f22858dc6462a06c0a0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/dd5caa3b1bbc4c97b27350ba23e7e5e0.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "SEL, SEL Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 30988.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMJBCDEXTH651078.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth651078/2026-hyundai-tucson-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth651078/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJBCDEXTH651078.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDEXTH651078.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDEXTH651078.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcdexth651078/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,401"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31401.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCDEXTH651078_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 783, "unit": "per_month", "display": "$783/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31401.0, "price_incl_doc": 31401.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.39, "amount_financed": 33363.56, "sales_tax": 1962.56, "total_of_payments": 37602.78, "finance_charge": 4239.22, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260366, VIN 5NMJBCDEXTH651078. $783 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,401, before any dealer documentation fee. Amount financed $33,364, including $1,963 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,603. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDEXTH651078_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31401.0, "price_incl_doc": 31401.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.64, "amount_financed": 33363.56, "sales_tax": 1962.56, "total_of_payments": 39158.41, "finance_charge": 5794.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260366, VIN 5NMJBCDEXTH651078. $653 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,401, before any dealer documentation fee. Amount financed $33,364, including $1,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $39,158. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDEXTH651078_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 569, "unit": "per_month", "display": "$569/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31401.0, "price_incl_doc": 31401.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.66, "amount_financed": 33363.56, "sales_tax": 1962.56, "total_of_payments": 40943.19, "finance_charge": 7579.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260366, VIN 5NMJBCDEXTH651078. $569 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $31,401, before any dealer documentation fee. Amount financed $33,364, including $1,963 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,943. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg15th101957/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMP2DG15TH101957.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG15TH101957.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG15TH101957.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg15th101957/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28234.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262864X, VIN 7MMVAAEW7TN174029. Advertised price: $43,280. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,280"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43280.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW7TN174029_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 878, "unit": "per_month", "display": "$878/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43280.0, "price_incl_doc": 43280.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 878.15, "amount_financed": 45985.0, "sales_tax": 2705.0, "total_of_payments": 52689.28, "finance_charge": 6704.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262864X, VIN 7MMVAAEW7TN174029. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,280, before any dealer documentation fee. Amount financed $45,985, including $2,705 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,689. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW7TN174029_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43280.0, "price_incl_doc": 43280.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.89, "amount_financed": 45985.0, "sales_tax": 2705.0, "total_of_payments": 54855.88, "finance_charge": 8870.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262864X, VIN 7MMVAAEW7TN174029. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,280, before any dealer documentation fee. Amount financed $45,985, including $2,705 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,856. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW7TN174029_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 683, "unit": "per_month", "display": "$683/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43280.0, "price_incl_doc": 43280.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.63, "amount_financed": 45985.0, "sales_tax": 2705.0, "total_of_payments": 57340.81, "finance_charge": 11355.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262864X, VIN 7MMVAAEW7TN174029. $683 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,280, before any dealer documentation fee. Amount financed $45,985, including $2,705 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,341. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW7TN174029_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43280.0, "selling_price": 43280.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.65, "net_cap_cost": 43875.0, "residual_value": 26833.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.65, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 775.65}, "total_of_payments": 22176, "total_of_payments_unrounded": 22163.4}, "disclosure": "Estimated lease payment for stock #MD262864X, VIN 7MMVAAEW7TN174029. $616 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $776, made up of $616 first payment, $60 title, $100 registration. MSRP $43,280. Lease selling price $43,280. Net capitalized cost $43,875. Residual value $26,834, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW7TN174029_lease", "type": "lease", "label": "Lease", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43280.0, "selling_price": 43280.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.36, "net_cap_cost": 40876.0, "residual_value": 26833.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.36, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3681.36}, "total_of_payments": 18792, "total_of_payments_unrounded": 18804.96}, "disclosure": "Estimated lease payment for stock #MD262864X, VIN 7MMVAAEW7TN174029. $522 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,681, made up of $522 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,280. Lease selling price $43,280. Net capitalized cost $40,876. Residual value $26,834, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,792. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl2tn609622/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL2TN609622.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL2TN609622.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL2TN609622.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl2tn609622/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262920, VIN 7MMVABBL2TN609622. Advertised price: $35,330. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,330"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "features": ["Rain Sensing Wipers", "Side-Impact Airbags", "Push Start", "Heated Seats", "Sunroof", "Keyless Ignition", "Remote Start", "Power Seats", "Bluetooth", "Keyless Entry", "Rear View Camera", "Lane Departure Warning", "Blind Spot Sensors", "Apple CarPlay", "Android Auto", "GPS Navigation", "Forward Collision Warning"], "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35330.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL2TN609622_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 717, "unit": "per_month", "display": "$717/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.85, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 43010.92, "finance_charge": 5472.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262920, VIN 7MMVABBL2TN609622. $717 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,011. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609622_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 622, "unit": "per_month", "display": "$622/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.94, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 44779.54, "finance_charge": 7241.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262920, VIN 7MMVABBL2TN609622. $622 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,780. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609622_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 557, "unit": "per_month", "display": "$557/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.24, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 46808.02, "finance_charge": 9269.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262920, VIN 7MMVABBL2TN609622. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,808. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609622_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35330.0, "selling_price": 35330.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 505.96, "net_cap_cost": 35925.0, "residual_value": 21904.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 505.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 665.96}, "total_of_payments": 18216, "total_of_payments_unrounded": 18214.56}, "disclosure": "Estimated lease payment for stock #MD262920, VIN 7MMVABBL2TN609622. $506 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $666, made up of $506 first payment, $60 title, $100 registration. MSRP $35,330. Lease selling price $35,330. Net capitalized cost $35,925. Residual value $21,905, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,216. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL2TN609622_lease", "type": "lease", "label": "Lease", "headline": {"value": 413, "unit": "per_month", "display": "$413/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35330.0, "selling_price": 35330.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.67, "net_cap_cost": 32926.0, "residual_value": 21904.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3571.67}, "total_of_payments": 14868, "total_of_payments_unrounded": 14856.12}, "disclosure": "Estimated lease payment for stock #MD262920, VIN 7MMVABBL2TN609622. $413 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,572, made up of $413 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,330. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44801.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44801.0, "price_incl_doc": 44801.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 931.15, "amount_financed": 47601.06, "sales_tax": 2800.06, "total_of_payments": 55868.79, "finance_charge": 8267.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0988, VIN WA1LVBF78SD014863. $931 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,801, before any dealer documentation fee. Amount financed $47,601, including $2,800 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $55,869. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36655.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36655.0, "price_incl_doc": 36655.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 743.73, "amount_financed": 38945.94, "sales_tax": 2290.94, "total_of_payments": 44623.98, "finance_charge": 5678.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABWXTN183991, VIN 7MMVAABWXTN183991. $744 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,655, before any dealer documentation fee. Amount financed $38,946, including $2,291 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,624. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABWXTN183991_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 645, "unit": "per_month", "display": "$645/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36655.0, "price_incl_doc": 36655.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 645.26, "amount_financed": 38945.94, "sales_tax": 2290.94, "total_of_payments": 46458.93, "finance_charge": 7512.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABWXTN183991, VIN 7MMVAABWXTN183991. $645 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,655, before any dealer documentation fee. Amount financed $38,946, including $2,291 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,459. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABWXTN183991_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36655.0, "price_incl_doc": 36655.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.14, "amount_financed": 38945.94, "sales_tax": 2290.94, "total_of_payments": 48563.49, "finance_charge": 9617.55, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABWXTN183991, VIN 7MMVAABWXTN183991. $578 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,655, before any dealer documentation fee. Amount financed $38,946, including $2,291 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,563. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABWXTN183991_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36655.0, "selling_price": 36655.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 524.24, "net_cap_cost": 37250.0, "residual_value": 22726.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 684.24}, "total_of_payments": 18864, "total_of_payments_unrounded": 18872.64}, "disclosure": "Estimated lease payment for stock #7MMVAABWXTN183991, VIN 7MMVAABWXTN183991. $524 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $684, made up of $524 first payment, $60 title, $100 registration. MSRP $36,655. Lease selling price $36,655. Net capitalized cost $37,250. Residual value $22,726, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,864. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABWXTN183991_lease", "type": "lease", "label": "Lease", "headline": {"value": 431, "unit": "per_month", "display": "$431/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36655.0, "selling_price": 36655.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 430.95, "net_cap_cost": 34251.0, "residual_value": 22726.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 430.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3589.95}, "total_of_payments": 15516, "total_of_payments_unrounded": 15514.2}, "disclosure": "Estimated lease payment for stock #7MMVAABWXTN183991, VIN 7MMVAABWXTN183991. $431 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,590, made up of $431 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,655. Lease selling price $36,655. Net capitalized cost $34,251. Residual value $22,726, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,516. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 431}}, {"vin": "3VVYX7B24PM320534", "title": "2023 Volkswagen Taos SE", "year": 2023, "make": "Volkswagen", "model": "Taos", "trim": "SE", "decoded_trim": "4Motion SE", "condition": "used", "price": 23138.0, "msrp": 22725.0, "sale_price": 22741.0, "currency": "USD", "mileage": 32452, "exterior_color": "Pure Gray w/Black Roof", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/3vvyx7b24pm320534/2023-volkswagen-taos-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV1001, VIN 3VVYX7B24PM320534. Advertised price: $23,138. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,138"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23138.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVYX7B24PM320534_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23138.0, "price_incl_doc": 23138.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 577.25, "amount_financed": 24584.13, "sales_tax": 1446.13, "total_of_payments": 27707.82, "finance_charge": 3123.69, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1001, VIN 3VVYX7B24PM320534. $577 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,138, before any dealer documentation fee. Amount financed $24,584, including $1,446 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $27,708. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVYX7B24PM320534_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 481, "unit": "per_month", "display": "$481/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23138.0, "price_incl_doc": 23138.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 480.9, "amount_financed": 24584.13, "sales_tax": 1446.13, "total_of_payments": 28854.1, "finance_charge": 4269.97, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1001, VIN 3VVYX7B24PM320534. $481 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,138, before any dealer documentation fee. Amount financed $24,584, including $1,446 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $28,854. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVYX7B24PM320534_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23138.0, "price_incl_doc": 23138.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 419.02, "amount_financed": 24584.13, "sales_tax": 1446.13, "total_of_payments": 30169.22, "finance_charge": 5585.09, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1001, VIN 3VVYX7B24PM320534. $419 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,138, before any dealer documentation fee. Amount financed $24,584, including $1,446 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,169. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,712"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16712.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5FNYF6H61GB110161_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16712.0, "price_incl_doc": 16712.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 416.93, "amount_financed": 17756.5, "sales_tax": 1044.5, "total_of_payments": 20012.66, "finance_charge": 2256.16, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0937A, VIN 5FNYF6H61GB110161. $417 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,712, before any dealer documentation fee. Amount financed $17,756, including $1,044 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,013. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYF6H61GB110161_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 347, "unit": "per_month", "display": "$347/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16712.0, "price_incl_doc": 16712.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 347.34, "amount_financed": 17756.5, "sales_tax": 1044.5, "total_of_payments": 20840.59, "finance_charge": 3084.09, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0937A, VIN 5FNYF6H61GB110161. $347 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,712, before any dealer documentation fee. Amount financed $17,756, including $1,044 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,841. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYF6H61GB110161_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 303, "unit": "per_month", "display": "$303/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,325"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34325.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA3T0174338_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 696, "unit": "per_month", "display": "$696/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34325.0, "price_incl_doc": 34325.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 696.46, "amount_financed": 36470.31, "sales_tax": 2145.31, "total_of_payments": 41787.42, "finance_charge": 5317.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA3T0174338, VIN JM3KMBHA3T0174338. $696 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,325, before any dealer documentation fee. Amount financed $36,470, including $2,145 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,787. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0174338_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 604, "unit": "per_month", "display": "$604/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34325.0, "price_incl_doc": 34325.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.25, "amount_financed": 36470.31, "sales_tax": 2145.31, "total_of_payments": 43505.73, "finance_charge": 7035.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA3T0174338, VIN JM3KMBHA3T0174338. $604 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,325, before any dealer documentation fee. Amount financed $36,470, including $2,145 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,506. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0174338_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 541, "unit": "per_month", "display": "$541/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34325.0, "price_incl_doc": 34325.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.39, "amount_financed": 36470.31, "sales_tax": 2145.31, "total_of_payments": 45476.51, "finance_charge": 9006.2, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA3T0174338, VIN JM3KMBHA3T0174338. $541 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,325, before any dealer documentation fee. Amount financed $36,470, including $2,145 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,477. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0174338_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34325.0, "selling_price": 34325.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 492.1, "net_cap_cost": 34920.0, "residual_value": 21281.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 492.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 652.1}, "total_of_payments": 17712, "total_of_payments_unrounded": 17715.6}, "disclosure": "Estimated lease payment for stock #JM3KMBHA3T0174338, VIN JM3KMBHA3T0174338. $492 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $652, made up of $492 first payment, $60 title, $100 registration. MSRP $34,325. Lease selling price $34,325. Net capitalized cost $34,920. Residual value $21,282, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0174338_lease", "type": "lease", "label": "Lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34325.0, "selling_price": 34325.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.8, "net_cap_cost": 31921.0, "residual_value": 21281.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.8}, "total_of_payments": 14364, "total_of_payments_unrounded": 14356.8}, "disclosure": "Estimated lease payment for stock #JM3KMBHA3T0174338, VIN JM3KMBHA3T0174338. $399 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,558, made up of $399 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,325. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,618"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39618.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5FNYG1H38SB081496_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 988, "unit": "per_month", "display": "$988/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39618.0, "price_incl_doc": 39618.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 988.39, "amount_financed": 42094.13, "sales_tax": 2476.13, "total_of_payments": 47442.67, "finance_charge": 5348.54, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262658A, VIN 5FNYG1H38SB081496. $988 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,618, before any dealer documentation fee. Amount financed $42,094, including $2,476 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,443. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYG1H38SB081496_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 823, "unit": "per_month", "display": "$823/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39618.0, "price_incl_doc": 39618.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 823.42, "amount_financed": 42094.13, "sales_tax": 2476.13, "total_of_payments": 49405.37, "finance_charge": 7311.24, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262658A, VIN 5FNYG1H38SB081496. $823 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,618, before any dealer documentation fee. Amount financed $42,094, including $2,476 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,405. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYG1H38SB081496_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 717, "unit": "per_month", "display": "$717/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39618.0, "price_incl_doc": 39618.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.46, "amount_financed": 42094.13, "sales_tax": 2476.13, "total_of_payments": 51657.19, "finance_charge": 9563.06, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262658A, VIN 5FNYG1H38SB081496. $717 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,618, before any dealer documentation fee. Amount financed $42,094, including $2,476 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $51,657. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM1BPABL3T1898089", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 27560.0, "msrp": 27560.0, "sale_price": 27560.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL3T1898089", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL3T1898089_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 27560.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl3t1898089/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl3t1898089/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL3T1898089.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL3T1898089.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL3T1898089.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl3t1898089/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. Advertised price: $27,560. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,560"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27560.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL3T1898089_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27560.0, "price_incl_doc": 27560.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.19, "amount_financed": 29282.5, "sales_tax": 1722.5, "total_of_payments": 33551.68, "finance_charge": 4269.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. $559 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,560, before any dealer documentation fee. Amount financed $29,282, including $1,722 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,552. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL3T1898089_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27560.0, "price_incl_doc": 27560.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 485.16, "amount_financed": 29282.5, "sales_tax": 1722.5, "total_of_payments": 34931.33, "finance_charge": 5648.83, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. $485 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,560, before any dealer documentation fee. Amount financed $29,282, including $1,722 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,931. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL3T1898089_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27560.0, "price_incl_doc": 27560.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 434.69, "amount_financed": 29282.5, "sales_tax": 1722.5, "total_of_payments": 36513.7, "finance_charge": 7231.2, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. $435 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,560, before any dealer documentation fee. Amount financed $29,282, including $1,722 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,514. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL3T1898089_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27560.0, "selling_price": 27560.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.76, "net_cap_cost": 28155.0, "residual_value": 17087.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.76, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 558.76}, "total_of_payments": 14364, "total_of_payments_unrounded": 14355.36}, "disclosure": "Estimated lease payment for stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. $399 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $559, made up of $399 first payment, $60 title, $100 registration. MSRP $27,560. Lease selling price $27,560. Net capitalized cost $28,155. Residual value $17,087, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL3T1898089_lease", "type": "lease", "label": "Lease", "headline": {"value": 305, "unit": "per_month", "display": "$305/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27560.0, "selling_price": 27560.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 305.47, "net_cap_cost": 25156.0, "residual_value": 17087.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 305.47, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3464.47}, "total_of_payments": 10980, "total_of_payments_unrounded": 10996.92}, "disclosure": "Estimated lease payment for stock #JM1BPABL3T1898089, VIN JM1BPABL3T1898089. $305 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,464, made up of $305 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,560. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 440}}, {"vin": "JM3KMCHA2T0171100", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36715.0, "msrp": 36715.0, "sale_price": 36715.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0171100/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. Advertised price: $36,715. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,715"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36715.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0171100_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 744.95, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 44697.02, "finance_charge": 5687.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. $745 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,697. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0171100_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.32, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 46534.97, "finance_charge": 7525.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,535. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0171100_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.08, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 48642.98, "finance_charge": 9633.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. $579 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,643. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0171100_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36715.0, "selling_price": 36715.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 525.07, "net_cap_cost": 37310.0, "residual_value": 22763.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 525.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 685.07}, "total_of_payments": 18900, "total_of_payments_unrounded": 18902.52}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. $525 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $685, made up of $525 first payment, $60 title, $100 registration. MSRP $36,715. Lease selling price $36,715. Net capitalized cost $37,310. Residual value $22,763, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0171100_lease", "type": "lease", "label": "Lease", "headline": {"value": 432, "unit": "per_month", "display": "$432/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36715.0, "selling_price": 36715.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.78, "net_cap_cost": 34311.0, "residual_value": 22763.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3590.78}, "total_of_payments": 15552, "total_of_payments_unrounded": 15544.08}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0171100, VIN JM3KMCHA2T0171100. $432 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,591, made up of $432 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,715. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44103.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2BN2CA8TC517283_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1100, "unit": "per_month", "display": "$1,100/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44103.0, "price_incl_doc": 44103.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1100.28, "amount_financed": 46859.44, "sales_tax": 2756.44, "total_of_payments": 52813.46, "finance_charge": 5954.02, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0946, VIN 1V2BN2CA8TC517283. $1,100 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,103, before any dealer documentation fee. Amount financed $46,859, including $2,756 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $52,813. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2BN2CA8TC517283_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 917, "unit": "per_month", "display": "$917/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44103.0, "price_incl_doc": 44103.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 916.64, "amount_financed": 46859.44, "sales_tax": 2756.44, "total_of_payments": 54998.36, "finance_charge": 8138.92, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0946, VIN 1V2BN2CA8TC517283. $917 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,103, before any dealer documentation fee. Amount financed $46,859, including $2,756 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $54,998. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 20158.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20158.0, "price_incl_doc": 20158.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.9, "amount_financed": 21417.88, "sales_tax": 1259.88, "total_of_payments": 24139.26, "finance_charge": 2721.38, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262719A, VIN JF2SKAJC1LH494457. $503 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $20,158, before any dealer documentation fee. Amount financed $21,418, including $1,260 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $24,139. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF2SKAJC1LH494457_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 20158.0, "price_incl_doc": 20158.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 418.97, "amount_financed": 21417.88, "sales_tax": 1259.88, "total_of_payments": 25137.91, "finance_charge": 3720.03, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262719A, VIN JF2SKAJC1LH494457. $419 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $20,158, before any dealer documentation fee. Amount financed $21,418, including $1,260 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $25,138. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHL24JJ4TA141119_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27401.0, "price_incl_doc": 27401.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.5, "amount_financed": 29113.56, "sales_tax": 1712.56, "total_of_payments": 34170.23, "finance_charge": 5056.67, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260254, VIN KMHL24JJ4TA141119. $570 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,401, before any dealer documentation fee. Amount financed $29,114, including $1,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,170. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHL24JJ4TA141119_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27401.0, "price_incl_doc": 27401.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.22, "amount_financed": 29113.56, "sales_tax": 1712.56, "total_of_payments": 35727.66, "finance_charge": 6614.1, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260254, VIN KMHL24JJ4TA141119. $496 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,401, before any dealer documentation fee. Amount financed $29,114, including $1,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,728. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 15, "elapsed_ms": 223}}, {"vin": "JM3KMCHA2T0175843", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36875.0, "msrp": 36875.0, "sale_price": 36875.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA2T0175843", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0175843_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36875.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0175843/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0175843/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA2T0175843.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0175843.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0175843.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0175843/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. Advertised price: $36,875. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,875"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36875.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0175843_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.2, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 44891.81, "finance_charge": 5712.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,892. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0175843_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.14, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 46737.77, "finance_charge": 7558.08, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,738. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0175843_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36875.0, "price_incl_doc": 36875.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.61, "amount_financed": 39179.69, "sales_tax": 2304.69, "total_of_payments": 48854.96, "finance_charge": 9675.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,875, before any dealer documentation fee. Amount financed $39,180, including $2,305 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,855. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0175843_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36875.0, "selling_price": 36875.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.28, "net_cap_cost": 37470.0, "residual_value": 22862.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.28}, "total_of_payments": 18972, "total_of_payments_unrounded": 18982.08}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,875. Lease selling price $36,875. Net capitalized cost $37,470. Residual value $22,862, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0175843_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36875.0, "selling_price": 36875.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.99, "net_cap_cost": 34471.0, "residual_value": 22862.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.99}, "total_of_payments": 15624, "total_of_payments_unrounded": 15623.64}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0175843, VIN JM3KMCHA2T0175843. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,875. Lease selling price $36,875. Net capitalized cost $34,471. Residual value $22,862, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 419}}, {"vin": "JM3KMBHA5T0165253", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 32885.0, "msrp": 33735.0, "sale_price": 32885.0, "currency": "USD", "mileage": 6, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0165253/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0165253/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA5T0165253.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0165253.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA5T0165253.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha5t0165253/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $850. This offer applies to Stock #MD262885, VIN JM3KMBHA5T0165253. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,735. Advertised price: $32,885. Savings: $850, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$33,735"}, {"label": "Advertised price", "value": "$32,885"}, {"label": "Savings", "value": "$850, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $850", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32885.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA5T0165253_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 667.24, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 40034.36, "finance_charge": 5094.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262885, VIN JM3KMBHA5T0165253. $667 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0165253_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 578.9, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 41680.58, "finance_charge": 6740.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262885, VIN JM3KMBHA5T0165253. $579 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,681. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0165253_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 519, "unit": "per_month", "display": "$519/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32885.0, "price_incl_doc": 32885.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 518.67, "amount_financed": 34940.31, "sales_tax": 2055.31, "total_of_payments": 43568.68, "finance_charge": 8628.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262885, VIN JM3KMBHA5T0165253. $519 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,885, before any dealer documentation fee. Amount financed $34,940, including $2,055 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,569. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0165253_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 32885.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 457.51, "net_cap_cost": 33480.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 457.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 617.51}, "total_of_payments": 16488, "total_of_payments_unrounded": 16470.36}, "disclosure": "Estimated lease payment for stock #MD262885, VIN JM3KMBHA5T0165253. $458 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $618, made up of $458 first payment, $60 title, $100 registration. MSRP $33,735. Lease selling price $32,885. Net capitalized cost $33,480. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,488. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA5T0165253_lease", "type": "lease", "label": "Lease", "headline": {"value": 364, "unit": "per_month", "display": "$364/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 32885.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 364.22, "net_cap_cost": 30481.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 364.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3523.22}, "total_of_payments": 13104, "total_of_payments_unrounded": 13111.92}, "disclosure": "Estimated lease payment for stock #MD262885, VIN JM3KMBHA5T0165253. $364 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,523, made up of $364 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,735. Lease selling price $32,885. Net capitalized cost $30,481. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,104. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 373}}, {"vin": "JM3KMCHA8T0176608", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36985.0, "msrp": 36985.0, "sale_price": 36985.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA8T0176608", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0176608_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36985.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0176608/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0176608/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA8T0176608.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0176608.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0176608.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0176608/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. Advertised price: $36,985. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,985"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36985.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA8T0176608_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36985.0, "price_incl_doc": 36985.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 750.43, "amount_financed": 39296.56, "sales_tax": 2311.56, "total_of_payments": 45025.72, "finance_charge": 5729.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,985, before any dealer documentation fee. Amount financed $39,297, including $2,312 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,026. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0176608_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 651, "unit": "per_month", "display": "$651/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36985.0, "price_incl_doc": 36985.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.07, "amount_financed": 39296.56, "sales_tax": 2311.56, "total_of_payments": 46877.18, "finance_charge": 7580.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. $651 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,985, before any dealer documentation fee. Amount financed $39,297, including $2,312 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,877. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0176608_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36985.0, "price_incl_doc": 36985.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 583.34, "amount_financed": 39296.56, "sales_tax": 2311.56, "total_of_payments": 49000.69, "finance_charge": 9704.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,985, before any dealer documentation fee. Amount financed $39,297, including $2,312 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,001. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0176608_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36985.0, "selling_price": 36985.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.8, "net_cap_cost": 37580.0, "residual_value": 22930.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.8}, "total_of_payments": 19044, "total_of_payments_unrounded": 19036.8}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. $529 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $689, made up of $529 first payment, $60 title, $100 registration. MSRP $36,985. Lease selling price $36,985. Net capitalized cost $37,580. Residual value $22,931, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0176608_lease", "type": "lease", "label": "Lease", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36985.0, "selling_price": 36985.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 435.5, "net_cap_cost": 34581.0, "residual_value": 22930.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 435.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3594.5}, "total_of_payments": 15696, "total_of_payments_unrounded": 15678.0}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0176608, VIN JM3KMCHA8T0176608. $436 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $436 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,985. Lease selling price $36,985. Net capitalized cost $34,581. Residual value $22,931, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,696. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 370}}, {"vin": "JM1DKDC7XK0418807", "title": "2019 Mazda CX-3 Touring", "year": 2019, "make": "Mazda", "model": "CX-3", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 17691.0, "msrp": 17278.0, "sale_price": 17701.0, "currency": "USD", "mileage": 69270, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17691.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1DKDC7XK0418807_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17691.0, "price_incl_doc": 17691.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 441.35, "amount_financed": 18796.69, "sales_tax": 1105.69, "total_of_payments": 21185.02, "finance_charge": 2388.33, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260589A, VIN JM1DKDC7XK0418807. $441 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,691, before any dealer documentation fee. Amount financed $18,797, including $1,106 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,185. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1DKDC7XK0418807_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 368, "unit": "per_month", "display": "$368/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17691.0, "price_incl_doc": 17691.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 367.69, "amount_financed": 18796.69, "sales_tax": 1105.69, "total_of_payments": 22061.45, "finance_charge": 3264.76, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260589A, VIN JM1DKDC7XK0418807. $368 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,691, before any dealer documentation fee. Amount financed $18,797, including $1,106 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,061. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17691.0, "price_incl_doc": 17691.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 320.37, "amount_financed": 18796.69, "sales_tax": 1105.69, "total_of_payments": 23066.97, "finance_charge": 4270.28, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260589A, VIN JM1DKDC7XK0418807. $320 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,691, before any dealer documentation fee. Amount financed $18,797, including $1,106 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,067. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,700"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34700.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA1T0201813_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 704, "unit": "per_month", "display": "$704/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34700.0, "price_incl_doc": 34700.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 704.07, "amount_financed": 36868.75, "sales_tax": 2168.75, "total_of_payments": 42243.95, "finance_charge": 5375.2, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0201813, VIN JM3KMBHA1T0201813. $704 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,700, before any dealer documentation fee. Amount financed $36,869, including $2,169 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $42,244. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0201813_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34700.0, "price_incl_doc": 34700.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.85, "amount_financed": 36868.75, "sales_tax": 2168.75, "total_of_payments": 43981.03, "finance_charge": 7112.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0201813, VIN JM3KMBHA1T0201813. $611 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,700, before any dealer documentation fee. Amount financed $36,869, including $2,169 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,981. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0201813_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34700.0, "price_incl_doc": 34700.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.3, "amount_financed": 36868.75, "sales_tax": 2168.75, "total_of_payments": 45973.34, "finance_charge": 9104.59, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA1T0201813, VIN JM3KMBHA1T0201813. $547 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,700, before any dealer documentation fee. Amount financed $36,869, including $2,169 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,973. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0201813_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34700.0, "selling_price": 34700.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 497.27, "net_cap_cost": 35295.0, "residual_value": 21514.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 497.27, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 657.27}, "total_of_payments": 17892, "total_of_payments_unrounded": 17901.72}, "disclosure": "Estimated lease payment for stock #JM3KMBHA1T0201813, VIN JM3KMBHA1T0201813. $497 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $657, made up of $497 first payment, $60 title, $100 registration. MSRP $34,700. Lease selling price $34,700. Net capitalized cost $35,295. Residual value $21,514, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,892. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0201813_lease", "type": "lease", "label": "Lease", "headline": {"value": 404, "unit": "per_month", "display": "$404/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34700.0, "selling_price": 34700.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 403.98, "net_cap_cost": 32296.0, "residual_value": 21514.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 403.98, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3562.98}, "total_of_payments": 14544, "total_of_payments_unrounded": 14543.28}, "disclosure": "Estimated lease payment for stock #JM3KMBHA1T0201813, VIN JM3KMBHA1T0201813. $404 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,563, made up of $404 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,700. Lease selling price $34,700. Net capitalized cost $32,296. Residual value $21,514, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,544. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 389}}, {"vin": "JM3KMCHA2T0208338", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36455.0, "msrp": 36455.0, "sale_price": 36455.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA2T0208338", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208338_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36455.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208338/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208338/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA2T0208338.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0208338.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0208338.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208338/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. Advertised price: $36,455. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,455"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36455.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0208338_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 740, "unit": "per_month", "display": "$740/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36455.0, "price_incl_doc": 36455.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 739.67, "amount_financed": 38733.44, "sales_tax": 2278.44, "total_of_payments": 44380.5, "finance_charge": 5647.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. $740 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,455, before any dealer documentation fee. Amount financed $38,733, including $2,278 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,380. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208338_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36455.0, "price_incl_doc": 36455.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 641.74, "amount_financed": 38733.44, "sales_tax": 2278.44, "total_of_payments": 46205.43, "finance_charge": 7471.99, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. $642 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,455, before any dealer documentation fee. Amount financed $38,733, including $2,278 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,205. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208338_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 575, "unit": "per_month", "display": "$575/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36455.0, "price_incl_doc": 36455.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 574.98, "amount_financed": 38733.44, "sales_tax": 2278.44, "total_of_payments": 48298.51, "finance_charge": 9565.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. $575 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,455, before any dealer documentation fee. Amount financed $38,733, including $2,278 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,299. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208338_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36455.0, "selling_price": 36455.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 521.48, "net_cap_cost": 37050.0, "residual_value": 22602.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 681.48}, "total_of_payments": 18756, "total_of_payments_unrounded": 18773.28}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. $521 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $681, made up of $521 first payment, $60 title, $100 registration. MSRP $36,455. Lease selling price $36,455. Net capitalized cost $37,050. Residual value $22,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208338_lease", "type": "lease", "label": "Lease", "headline": {"value": 428, "unit": "per_month", "display": "$428/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36455.0, "selling_price": 36455.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 428.19, "net_cap_cost": 34051.0, "residual_value": 22602.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 428.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3587.19}, "total_of_payments": 15408, "total_of_payments_unrounded": 15414.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0208338, VIN JM3KMCHA2T0208338. $428 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,587, made up of $428 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,455. Lease selling price $36,455. Net capitalized cost $34,051. Residual value $22,602, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,408. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 388}}, {"vin": "JM3KMCHA0T0187196", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37175.0, "msrp": 37175.0, "sale_price": 37325.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA0T0187196", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA0T0187196_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37175.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0187196/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0187196/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA0T0187196.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA0T0187196.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA0T0187196.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0187196/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. Advertised price: $37,175. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,175"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37175.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA0T0187196_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37175.0, "price_incl_doc": 37175.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.28, "amount_financed": 39498.44, "sales_tax": 2323.44, "total_of_payments": 45257.03, "finance_charge": 5758.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,175, before any dealer documentation fee. Amount financed $39,498, including $2,323 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,257. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0187196_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 654, "unit": "per_month", "display": "$654/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37175.0, "price_incl_doc": 37175.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 654.42, "amount_financed": 39498.44, "sales_tax": 2323.44, "total_of_payments": 47118.01, "finance_charge": 7619.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,175, before any dealer documentation fee. Amount financed $39,498, including $2,323 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,118. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0187196_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37175.0, "price_incl_doc": 37175.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.34, "amount_financed": 39498.44, "sales_tax": 2323.44, "total_of_payments": 49252.42, "finance_charge": 9753.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,175, before any dealer documentation fee. Amount financed $39,498, including $2,323 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,252. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0187196_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37175.0, "selling_price": 37175.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 531.42, "net_cap_cost": 37770.0, "residual_value": 23048.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 531.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 691.42}, "total_of_payments": 19116, "total_of_payments_unrounded": 19131.12}, "disclosure": "Estimated lease payment for stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. $531 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $691, made up of $531 first payment, $60 title, $100 registration. MSRP $37,175. Lease selling price $37,175. Net capitalized cost $37,770. Residual value $23,048, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,116. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0187196_lease", "type": "lease", "label": "Lease", "headline": {"value": 438, "unit": "per_month", "display": "$438/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37175.0, "selling_price": 37175.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 438.13, "net_cap_cost": 34771.0, "residual_value": 23048.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 438.13, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3597.13}, "total_of_payments": 15768, "total_of_payments_unrounded": 15772.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHA0T0187196, VIN JM3KMCHA0T0187196. $438 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,597, made up of $438 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,175. Lease selling price $37,175. Net capitalized cost $34,771. Residual value $23,048, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,768. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 351}}, {"vin": "JM3KFBCLXR0523040", "title": "2024 Mazda CX-5 2.5 S Carbon Edition", "year": 2024, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Carbon Edition", "decoded_trim": "Preferred Package", "condition": "used", "price": 26393.0, "msrp": 25980.0, "sale_price": 26990.0, "currency": "USD", "mileage": 42124, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41325.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXY4TN600893_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 838, "unit": "per_month", "display": "$838/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 838.49, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 50309.25, "finance_charge": 6401.44, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262855, VIN 7MMVABXY4TN600893. $838 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,309. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY4TN600893_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 727, "unit": "per_month", "display": "$727/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.47, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 52377.98, "finance_charge": 8470.17, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262855, VIN 7MMVABXY4TN600893. $727 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,378. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY4TN600893_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41325.0, "price_incl_doc": 41325.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 651.79, "amount_financed": 43907.81, "sales_tax": 2582.81, "total_of_payments": 54750.67, "finance_charge": 10842.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262855, VIN 7MMVABXY4TN600893. $652 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,325, before any dealer documentation fee. Amount financed $43,908, including $2,583 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,751. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY4TN600893_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 540, "unit": "per_month", "display": "$540/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44115.0, "selling_price": 41325.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 540.38, "net_cap_cost": 41920.0, "residual_value": 27351.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 540.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 700.38}, "total_of_payments": 19440, "total_of_payments_unrounded": 19453.68}, "disclosure": "Estimated lease payment for stock #MD262855, VIN 7MMVABXY4TN600893. $540 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $700, made up of $540 first payment, $60 title, $100 registration. MSRP $44,115. Lease selling price $41,325. Net capitalized cost $41,920. Residual value $27,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,440. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY4TN600893_lease", "type": "lease", "label": "Lease", "headline": {"value": 447, "unit": "per_month", "display": "$447/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 44115.0, "selling_price": 41325.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 447.09, "net_cap_cost": 38921.0, "residual_value": 27351.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 447.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3606.09}, "total_of_payments": 16092, "total_of_payments_unrounded": 16095.24}, "disclosure": "Estimated lease payment for stock #MD262855, VIN 7MMVABXY4TN600893. $447 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,606, made up of $447 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $44,115. Lease selling price $41,325. Net capitalized cost $38,921. Residual value $27,351, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,092. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 339}}, {"vin": "JM3KKCHD5T1385878", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 45003.0, "msrp": 49345.0, "sale_price": 45003.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262711", "stock_status": "Available", "availability": "In Stock", 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from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd5t1385878/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHD5T1385878.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD5T1385878.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD5T1385878.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd5t1385878/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,342. This offer applies to Stock #MD262711, VIN JM3KKCHD5T1385878. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,345. Advertised price: $45,003. Savings: $4,342, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,345"}, {"label": "Advertised price", "value": "$45,003"}, {"label": "Savings", "value": "$4,342, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,342", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45003.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD5T1385878_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 815, "unit": "per_month", "display": "$815/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45003.0, "price_incl_doc": 45003.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 815.29, "amount_financed": 47815.69, "sales_tax": 2812.69, "total_of_payments": 48917.54, "finance_charge": 1101.85, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262711, VIN JM3KKCHD5T1385878. $815 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $45,003, before any dealer documentation fee. Amount financed $47,816, including $2,813 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $48,918. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD5T1385878_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45003.0, "price_incl_doc": 45003.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.8, "amount_financed": 47815.69, "sales_tax": 2812.69, "total_of_payments": 59623.59, "finance_charge": 11807.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262711, VIN JM3KKCHD5T1385878. $710 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,003, before any dealer documentation fee. Amount financed $47,816, including $2,813 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,624. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD5T1385878_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49345.0, "selling_price": 45003.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 564.26, "net_cap_cost": 45598.0, "residual_value": 30593.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 564.26, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 724.26}, "total_of_payments": 20304, "total_of_payments_unrounded": 20313.36}, "disclosure": "Estimated lease payment for stock #MD262711, VIN JM3KKCHD5T1385878. $564 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $724, made up of $564 first payment, $60 title, $100 registration. MSRP $49,345. Lease selling price $45,003. Net capitalized cost $45,598. Residual value $30,594, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,304. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD5T1385878_lease", "type": "lease", "label": "Lease", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49345.0, "selling_price": 45003.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 470.97, "net_cap_cost": 42599.0, "residual_value": 30593.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.97, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3629.97}, "total_of_payments": 16956, "total_of_payments_unrounded": 16954.92}, "disclosure": "Estimated lease payment for stock #MD262711, VIN JM3KKCHD5T1385878. $471 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,630, made up of $471 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,345. Lease selling price $45,003. Net capitalized cost $42,599. Residual value $30,594, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,956. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 346}}, {"vin": "JN1BJ1CR9JW285627", "title": "2018 Nissan Rogue Sport SV", "year": 2018, "make": "Nissan", "model": "Rogue Sport", "trim": "SV", "decoded_trim": null, "condition": "used", "price": 13271.0, "msrp": 12858.0, "sale_price": 13390.0, "currency": "USD", "mileage": 82863, "exterior_color": "Pearl White", "interior_color": "Light Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": null, "transmission": "1-Speed CVT w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "HD261001A", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlemazdadownersgrove.com/viewdetails/used/jn1bj1cr9jw285627/2018-nissan-rogue-sport-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD261001A, VIN JN1BJ1CR9JW285627. Advertised price: $13,271. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$13,271"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:08Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 13271.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JN1BJ1CR9JW285627_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 331, "unit": "per_month", "display": "$331/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13271.0, "price_incl_doc": 13271.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 331.08, "amount_financed": 14100.44, "sales_tax": 829.44, "total_of_payments": 15892.06, "finance_charge": 1791.62, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001A, VIN JN1BJ1CR9JW285627. $331 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $13,271, before any dealer documentation fee. Amount financed $14,100, including $829 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $15,892. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JN1BJ1CR9JW285627_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 276, "unit": "per_month", "display": "$276/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13271.0, "price_incl_doc": 13271.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 275.83, "amount_financed": 14100.44, "sales_tax": 829.44, "total_of_payments": 16549.52, "finance_charge": 2449.08, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001A, VIN JN1BJ1CR9JW285627. $276 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $13,271, before any dealer documentation fee. Amount financed $14,100, including $829 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $16,550. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JN1BJ1CR9JW285627_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 240, "unit": "per_month", "display": "$240/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13271.0, "price_incl_doc": 13271.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 240.33, "amount_financed": 14100.44, "sales_tax": 829.44, "total_of_payments": 17303.82, "finance_charge": 3203.38, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261001A, VIN JN1BJ1CR9JW285627. $240 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $13,271, before any dealer documentation fee. Amount financed $14,100, including $829 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $17,304. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 0}}, {"vin": "5NMJBCDE7TH609130", "title": "2026 Hyundai Tucson SEL", "year": 2026, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SEL, SEL Plus", "condition": "used", "price": 30412.0, "msrp": 29999.0, "sale_price": 31683.0, "currency": "USD", "mileage": 1811, "exterior_color": "Shimmering Silver", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "HD260367", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 21, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/edfebc10883d452a87f9ea7a84bfeb27.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/edfebc10883d452a87f9ea7a84bfeb27.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/905fa17aea0b4ec3b8a5e2b011342d26.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48e282e0ce6b43acb620278adcbb7f16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/57778d60930f4b56982c32da609ae896.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ab4a99a160044918288e50263c23591.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d4280c60a5ea4c3380c5d64969a6b4e8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/01b1570c3bfa45619ffd5fb39321b9f2.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2959fd4aa3b3482e9133986c1b4e5c54.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/51e2e86d50484be082945784eff0b9f8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/0c79a3a15c7b48148b3fbc7805ec4406.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/5b80ac9cc1a544269e2b4b1d0624251b.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b9dfcf2ebc3c453ab3d0b35aaaedbb3e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e92a6613c56e47aaae609664a4e9b8cd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33b4f5faf4a745ab84036952bd1f8bbf.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/1373ba65c7f74c75894cf3f6b196650d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c88953f1efc447dcabf5708bf6bcdd74.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/022038334fc34eba9eee9996026fb832.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bde9939aa8294da187d4ed8c45debee6.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/8906d0f8f81447cbb53ddd165c838fa1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/48f646851f664e73b06d7e1d53babbc9.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c1a70cfff61244478349c6c2cee6c457.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2026, "trim": "SEL, SEL Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29999.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMJBCDE7TH609130.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde7th609130/2026-hyundai-tucson-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde7th609130/2026-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJBCDE7TH609130.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE7TH609130.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJBCDE7TH609130.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmjbcde7th609130/2026-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30412.0, "price_incl_doc": 30412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.72, "amount_financed": 32312.75, "sales_tax": 1900.75, "total_of_payments": 36418.45, "finance_charge": 4105.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260367, VIN 5NMJBCDE7TH609130. $759 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,412, before any dealer documentation fee. Amount financed $32,313, including $1,901 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,418. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE7TH609130_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30412.0, "price_incl_doc": 30412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.08, "amount_financed": 32312.75, "sales_tax": 1900.75, "total_of_payments": 37925.08, "finance_charge": 5612.33, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260367, VIN 5NMJBCDE7TH609130. $632 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,412, before any dealer documentation fee. Amount financed $32,313, including $1,901 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,925. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262940, VIN JM3KMBHA2T0173858. Advertised price: $33,760. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,760"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33760.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA2T0173858_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 685, "unit": "per_month", "display": "$685/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33760.0, "price_incl_doc": 33760.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.99, "amount_financed": 35870.0, "sales_tax": 2110.0, "total_of_payments": 41099.59, "finance_charge": 5229.59, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262940, VIN JM3KMBHA2T0173858. $685 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,760, before any dealer documentation fee. Amount financed $35,870, including $2,110 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,100. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0173858_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 594, "unit": "per_month", "display": "$594/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33760.0, "price_incl_doc": 33760.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 594.3, "amount_financed": 35870.0, "sales_tax": 2110.0, "total_of_payments": 42789.61, "finance_charge": 6919.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262940, VIN JM3KMBHA2T0173858. $594 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,760, before any dealer documentation fee. Amount financed $35,870, including $2,110 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,790. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0173858_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33760.0, "price_incl_doc": 33760.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.48, "amount_financed": 35870.0, "sales_tax": 2110.0, "total_of_payments": 44727.95, "finance_charge": 8857.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262940, VIN JM3KMBHA2T0173858. $532 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,760, before any dealer documentation fee. Amount financed $35,870, including $2,110 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,728. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0173858_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33760.0, "selling_price": 33760.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 484.3, "net_cap_cost": 34355.0, "residual_value": 20931.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 484.3, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 644.3}, "total_of_payments": 17424, "total_of_payments_unrounded": 17434.8}, "disclosure": "Estimated lease payment for stock #MD262940, VIN JM3KMBHA2T0173858. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $33,760. Lease selling price $33,760. Net capitalized cost $34,355. Residual value $20,931, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0173858_lease", "type": "lease", "label": "Lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33760.0, "selling_price": 33760.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 391.01, "net_cap_cost": 31356.0, "residual_value": 20931.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 391.01, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3550.01}, "total_of_payments": 14076, "total_of_payments_unrounded": 14076.36}, "disclosure": "Estimated lease payment for stock #MD262940, VIN JM3KMBHA2T0173858. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,760. Lease selling price $33,760. Net capitalized cost $31,356. Residual value $20,931, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0175735/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0175735.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0175735.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0175735.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0175735/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. Advertised price: $36,810. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,810"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36810.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0175735_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36810.0, "price_incl_doc": 36810.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 746.88, "amount_financed": 39110.63, "sales_tax": 2300.63, "total_of_payments": 44812.68, "finance_charge": 5702.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. $747 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,810, before any dealer documentation fee. Amount financed $39,111, including $2,301 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,813. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0175735_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 648, "unit": "per_month", "display": "$648/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36810.0, "price_incl_doc": 36810.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 647.99, "amount_financed": 39110.63, "sales_tax": 2300.63, "total_of_payments": 46655.39, "finance_charge": 7544.76, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. $648 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,810, before any dealer documentation fee. Amount financed $39,111, including $2,301 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,655. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0175735_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36810.0, "price_incl_doc": 36810.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.58, "amount_financed": 39110.63, "sales_tax": 2300.63, "total_of_payments": 48768.85, "finance_charge": 9658.22, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. $581 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,810, before any dealer documentation fee. Amount financed $39,111, including $2,301 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,769. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0175735_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36810.0, "selling_price": 36810.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.38, "net_cap_cost": 37405.0, "residual_value": 22822.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.38}, "total_of_payments": 18936, "total_of_payments_unrounded": 18949.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. $526 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $686, made up of $526 first payment, $60 title, $100 registration. MSRP $36,810. Lease selling price $36,810. Net capitalized cost $37,405. Residual value $22,822, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,936. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0175735_lease", "type": "lease", "label": "Lease", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36810.0, "selling_price": 36810.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.09, "net_cap_cost": 34406.0, "residual_value": 22822.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.09}, "total_of_payments": 15588, "total_of_payments_unrounded": 15591.24}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0175735, VIN JM3KMCHAXT0175735. $433 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,592, made up of $433 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,810. Lease selling price $36,810. Net capitalized cost $34,406. Residual value $22,822, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,588. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 360}}, {"vin": "JM3KKCHA5T1392481", "title": "2026 Mazda CX-90 Plug-In Hybrid Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90 Plug-In Hybrid", "trim": "Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 52111.0, "msrp": 58850.0, "sale_price": 52111.0, "currency": "USD", "mileage": 7, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkcha5t1392481/2026-mazda-cx-90-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHA5T1392481.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHA5T1392481.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHA5T1392481.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkcha5t1392481/2026-mazda-cx-90-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,739. This offer applies to Stock #MD262813, VIN JM3KKCHA5T1392481. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $58,850. Advertised price: $52,111. Savings: $6,739, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$58,850"}, {"label": "Advertised price", "value": "$52,111"}, {"label": "Savings", "value": "$6,739, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,739", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52111.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHA5T1392481_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1057, "unit": "per_month", "display": "$1,057/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52111.0, "price_incl_doc": 52111.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1057.34, "amount_financed": 55367.94, "sales_tax": 3256.94, "total_of_payments": 63440.19, "finance_charge": 8072.25, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262813, VIN JM3KKCHA5T1392481. $1,057 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $52,111, before any dealer documentation fee. Amount financed $55,368, including $3,257 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,440. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA5T1392481_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 917, "unit": "per_month", "display": "$917/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52111.0, "price_incl_doc": 52111.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 917.35, "amount_financed": 55367.94, "sales_tax": 3256.94, "total_of_payments": 66048.86, "finance_charge": 10680.92, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262813, VIN JM3KKCHA5T1392481. $917 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $52,111, before any dealer documentation fee. Amount financed $55,368, including $3,257 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $66,049. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA5T1392481_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 822, "unit": "per_month", "display": "$822/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52111.0, "price_incl_doc": 52111.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 821.91, "amount_financed": 55367.94, "sales_tax": 3256.94, "total_of_payments": 69040.83, "finance_charge": 13672.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262813, VIN JM3KKCHA5T1392481. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,111, before any dealer documentation fee. Amount financed $55,368, including $3,257 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,041. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA5T1392481_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 621, "unit": "per_month", "display": "$621/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58850.0, "selling_price": 52111.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 620.84, "net_cap_cost": 52706.0, "residual_value": 36487.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 620.84, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 780.84}, "total_of_payments": 22356, "total_of_payments_unrounded": 22350.24}, "disclosure": "Estimated lease payment for stock #MD262813, VIN JM3KKCHA5T1392481. $621 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $781, made up of $621 first payment, $60 title, $100 registration. MSRP $58,850. Lease selling price $52,111. Net capitalized cost $52,706. Residual value $36,487, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA5T1392481_lease", "type": "lease", "label": "Lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58850.0, "selling_price": 52111.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.55, "net_cap_cost": 49707.0, "residual_value": 36487.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.55, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3686.55}, "total_of_payments": 19008, "total_of_payments_unrounded": 18991.8}, "disclosure": "Estimated lease payment for stock #MD262813, VIN JM3KKCHA5T1392481. $528 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,687, made up of $528 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $58,850. Lease selling price $52,111. Net capitalized cost $49,707. Residual value $36,487, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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{"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc7t1358789/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKDHC7T1358789.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC7T1358789.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC7T1358789.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc7t1358789/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": 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A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$57,550"}, {"label": "Advertised price", "value": "$52,833"}, {"label": "Savings", "value": "$4,717, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,717", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52833.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC7T1358789_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 957, "unit": "per_month", "display": "$957/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52833.0, "price_incl_doc": 52833.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 957.14, "amount_financed": 56135.06, "sales_tax": 3302.06, "total_of_payments": 57428.62, "finance_charge": 1293.56, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262379, VIN JM3KKDHC7T1358789. $957 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,833, before any dealer documentation fee. Amount financed $56,135, including $3,302 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $57,429. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC7T1358789_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 833, "unit": "per_month", "display": "$833/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52833.0, "price_incl_doc": 52833.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 833.3, "amount_financed": 56135.06, "sales_tax": 3302.06, "total_of_payments": 69997.39, "finance_charge": 13862.33, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262379, VIN JM3KKDHC7T1358789. $833 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,833, before any dealer documentation fee. Amount financed $56,135, including $3,302 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,997. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC7T1358789_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 666, "unit": "per_month", "display": "$666/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57550.0, "selling_price": 52833.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 665.8, "net_cap_cost": 53428.0, "residual_value": 35681.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 665.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 825.8}, "total_of_payments": 23976, "total_of_payments_unrounded": 23968.8}, "disclosure": "Estimated lease payment for stock #MD262379, VIN JM3KKDHC7T1358789. $666 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $826, made up of $666 first payment, $60 title, $100 registration. MSRP $57,550. Lease selling price $52,833. Net capitalized cost $53,428. Residual value $35,681, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC7T1358789_lease", "type": "lease", "label": "Lease", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57550.0, "selling_price": 52833.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 572.51, "net_cap_cost": 50429.0, "residual_value": 35681.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 572.51, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3731.51}, "total_of_payments": 20628, "total_of_payments_unrounded": 20610.36}, "disclosure": "Estimated lease payment for stock #MD262379, VIN JM3KKDHC7T1358789. $573 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,732, made up of $573 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,550. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpall2t1877183/2026-mazda-mazda3-hatchback-hatchback", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPALL2T1877183.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPALL2T1877183.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPALL2T1877183.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpall2t1877183/2026-mazda-mazda3-hatchback-hatchback", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,264. This offer applies to Stock #NRMD262727, VIN JM1BPALL2T1877183. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $29,940. Advertised price: $27,676. Savings: $2,264, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$29,940"}, {"label": "Advertised price", "value": "$27,676"}, {"label": "Savings", "value": "$2,264, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,264", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27676.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPALL2T1877183_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 562, "unit": "per_month", "display": "$562/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27676.0, "price_incl_doc": 27676.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 561.55, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 33692.9, "finance_charge": 4287.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262727, VIN JM1BPALL2T1877183. $562 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,693. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPALL2T1877183_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 487, "unit": "per_month", "display": "$487/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27676.0, "price_incl_doc": 27676.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 487.2, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 35078.36, "finance_charge": 5672.61, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262727, VIN JM1BPALL2T1877183. $487 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,078. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPALL2T1877183_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27676.0, "price_incl_doc": 27676.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 436.52, "amount_financed": 29405.75, "sales_tax": 1729.75, "total_of_payments": 36667.38, "finance_charge": 7261.63, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262727, VIN JM1BPALL2T1877183. $437 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,676, before any dealer documentation fee. Amount financed $29,406, including $1,730 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,667. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPALL2T1877183_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 361, "unit": "per_month", "display": "$361/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29940.0, "selling_price": 27676.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 361.17, "net_cap_cost": 28271.0, "residual_value": 18562.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 361.17, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 521.17}, "total_of_payments": 12996, "total_of_payments_unrounded": 13002.12}, "disclosure": "Estimated lease payment for stock #NRMD262727, VIN JM1BPALL2T1877183. $361 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $521, made up of $361 first payment, $60 title, $100 registration. MSRP $29,940. Lease selling price $27,676. Net capitalized cost $28,271. Residual value $18,563, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,996. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPALL2T1877183_lease", "type": "lease", "label": "Lease", "headline": {"value": 268, "unit": "per_month", "display": "$268/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29940.0, "selling_price": 27676.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 267.88, "net_cap_cost": 25272.0, "residual_value": 18562.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 267.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3426.88}, "total_of_payments": 9648, "total_of_payments_unrounded": 9643.68}, "disclosure": "Estimated lease payment for stock #NRMD262727, VIN JM1BPALL2T1877183. $268 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,427, made up of $268 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,940. Lease selling price $27,676. Net capitalized cost $25,272. Residual value $18,563, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $9,648. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46155.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey8tn603847/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey8tn603847/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABEY8TN603847.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY8TN603847.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY8TN603847.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey8tn603847/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,871. This offer applies to Stock #MD262866, VIN 7MMVABEY8TN603847. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,155. Advertised price: $43,284. Savings: $2,871, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,155"}, {"label": "Advertised price", "value": "$43,284"}, {"label": "Savings", "value": "$2,871, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,871", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43284.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY8TN603847_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 878, "unit": "per_month", "display": "$878/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 878.24, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 52694.15, "finance_charge": 6704.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262866, VIN 7MMVABEY8TN603847. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,694. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN603847_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.96, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 54860.95, "finance_charge": 8871.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262866, VIN 7MMVABEY8TN603847. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,861. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN603847_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 683, "unit": "per_month", "display": "$683/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.69, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 57346.11, "finance_charge": 11356.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262866, VIN 7MMVABEY8TN603847. $683 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,346. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN603847_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46155.0, "selling_price": 43284.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 566.01, "net_cap_cost": 43879.0, "residual_value": 28616.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.01, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.01}, "total_of_payments": 20376, "total_of_payments_unrounded": 20376.36}, "disclosure": "Estimated lease payment for stock #MD262866, VIN 7MMVABEY8TN603847. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $46,155. Lease selling price $43,284. Net capitalized cost $43,879. Residual value $28,616, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY8TN603847_lease", "type": "lease", "label": "Lease", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46155.0, "selling_price": 43284.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.71, "net_cap_cost": 40880.0, "residual_value": 28616.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3631.71}, "total_of_payments": 17028, "total_of_payments_unrounded": 17017.56}, "disclosure": "Estimated lease payment for stock #MD262866, VIN 7MMVABEY8TN603847. $473 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,632, made up of $473 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,155. Lease selling price $43,284. Net capitalized cost $40,880. Residual value $28,616, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 325}}, {"vin": "JM3KMCHA8T0190900", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36940.0, "msrp": 36940.0, "sale_price": 37090.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA8T0190900", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0190900_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36940.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0190900/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0190900/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA8T0190900.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0190900.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0190900.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0190900/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. Advertised price: $36,940. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,940"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36940.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA8T0190900_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.52, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 44970.94, "finance_charge": 5722.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,971. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0190900_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.28, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 46820.15, "finance_charge": 7571.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0190900_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.63, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 48941.07, "finance_charge": 9692.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,941. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0190900_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.18, "net_cap_cost": 37535.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.18}, "total_of_payments": 19008, "total_of_payments_unrounded": 19014.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $37,535. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0190900_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.88, "net_cap_cost": 34536.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.88}, "total_of_payments": 15660, "total_of_payments_unrounded": 15655.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0190900, VIN JM3KMCHA8T0190900. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $34,536. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "3VVBR7RM8TM022330", "title": "2026 Volkswagen Tiguan S", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "S", "decoded_trim": "4Motion S", "condition": "used", "price": 30292.0, "msrp": 29879.0, "sale_price": 30292.0, "currency": "USD", "mileage": 4620, "exterior_color": "Pure White", "interior_color": "Grigio & Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34355.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA0T0172627_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 697, "unit": "per_month", "display": "$697/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 697.07, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 41823.95, "finance_charge": 5321.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262939, VIN JM3KMBHA0T0172627. $697 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,824. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0172627_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.77, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 43543.76, "finance_charge": 7041.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262939, VIN JM3KMBHA0T0172627. $605 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,544. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0172627_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 542, "unit": "per_month", "display": "$542/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34355.0, "price_incl_doc": 34355.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 541.86, "amount_financed": 36502.19, "sales_tax": 2147.19, "total_of_payments": 45516.26, "finance_charge": 9014.07, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262939, VIN JM3KMBHA0T0172627. $542 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,355, before any dealer documentation fee. Amount financed $36,502, including $2,147 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,516. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0172627_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 493, "unit": "per_month", "display": "$493/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34355.0, "selling_price": 34355.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 492.51, "net_cap_cost": 34950.0, "residual_value": 21300.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 492.51, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 652.51}, "total_of_payments": 17748, "total_of_payments_unrounded": 17730.36}, "disclosure": "Estimated lease payment for stock #MD262939, VIN JM3KMBHA0T0172627. $493 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $653, made up of $493 first payment, $60 title, $100 registration. MSRP $34,355. Lease selling price $34,355. Net capitalized cost $34,950. Residual value $21,300, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,748. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0172627_lease", "type": "lease", "label": "Lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34355.0, "selling_price": 34355.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 399.22, "net_cap_cost": 31951.0, "residual_value": 21300.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 399.22, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3558.22}, "total_of_payments": 14364, "total_of_payments_unrounded": 14371.92}, "disclosure": "Estimated lease payment for stock #MD262939, VIN JM3KMBHA0T0172627. $399 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,558, made up of $399 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,355. Lease selling price $34,355. Net capitalized cost $31,951. Residual value $21,300, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 286}}, {"vin": "5NMP4DGL3TH158282", "title": "2026 Hyundai Santa Fe Limited 6P", "year": 2026, "make": "Hyundai", "model": "Santa Fe", "trim": "Limited 6P", "decoded_trim": "Limited", "condition": "used", "price": 44203.0, "msrp": 43790.0, "sale_price": 43836.0, "currency": "USD", "mileage": 9, "exterior_color": "Ecotronic Gray", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": null, "transmission": "8-Speed Automatic w/OD", "mpg_city": 20, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "HD260127", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/ea42cdede10d4cc5a41bdc8c33fd8d20.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/ea42cdede10d4cc5a41bdc8c33fd8d20.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c45d79f803f5419e91a09fddc7daac2f.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/731544b439b64d229796be3fde2840cb.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/73034efc38064acca513a6f99fff52f7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/85aa1d100f304ae0b25a7412773d9c6d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e76b582b3af7428e803bfc262b38ea94.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3ffd8fc54c9644f09d10cfecc7bc8886.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/98ee8942004548bcb58dcf8f3faca4c4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e0ebf27b3a994e6bbea50b71e8eec223.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ad700986a4094bec8d2c9fd858b45d78.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d03140b32b9347a5a6845233941bc012.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a01f66c9fdc246d48fe413cd6b77cd9a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/e462c2d125f543efa27e08e77529d83a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/693d2289f48b41f3a83d8ad902d3491a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/989afa8b8e004d029fc4e86a8deb8a29.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bf7cdcb732ff497e91ffef7f937e8d10.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a46185348c3947bab96c15fbc1e73de7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/55451678a4ff457e95e12e33ebf552dd.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/37d576453e25483bb637fa2afa68f631.jpg"], "vin_decode": {"make": "Hyundai", "model": "Santa Fe", "year": 2026, "trim": "Limited", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L", "engine_displacement_l": 2.5, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43790.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMP4DGL3TH158282.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp4dgl3th158282/2026-hyundai-santa-fe-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp4dgl3th158282/2026-hyundai-santa-fe-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMP4DGL3TH158282.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMP4DGL3TH158282.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMP4DGL3TH158282.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp4dgl3th158282/2026-hyundai-santa-fe-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44203.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP4DGL3TH158282_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1103, "unit": "per_month", "display": "$1,103/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44203.0, "price_incl_doc": 44203.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1102.78, "amount_financed": 46965.69, "sales_tax": 2762.69, "total_of_payments": 52933.21, "finance_charge": 5967.52, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260127, VIN 5NMP4DGL3TH158282. $1,103 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $44,203, before any dealer documentation fee. Amount financed $46,966, including $2,763 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $52,933. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP4DGL3TH158282_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 919, "unit": "per_month", "display": "$919/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44203.0, "price_incl_doc": 44203.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 918.72, "amount_financed": 46965.69, "sales_tax": 2762.69, "total_of_payments": 55123.06, "finance_charge": 8157.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260127, VIN 5NMP4DGL3TH158282. $919 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $44,203, before any dealer documentation fee. Amount financed $46,966, including $2,763 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $55,123. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP4DGL3TH158282_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 800, "unit": "per_month", "display": "$800/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44203.0, "price_incl_doc": 44203.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 800.49, "amount_financed": 46965.69, "sales_tax": 2762.69, "total_of_payments": 57635.49, "finance_charge": 10669.8, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260127, VIN 5NMP4DGL3TH158282. $800 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $44,203, before any dealer documentation fee. Amount financed $46,966, including $2,763 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $57,635. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,677. This offer applies to Stock #MD262527, VIN JM3KKEHC8T1375364. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $60,355. Advertised price: $55,678. Savings: $4,677, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$60,355"}, {"label": "Advertised price", "value": "$55,678"}, {"label": "Savings", "value": "$4,677, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,677", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55678.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC8T1375364_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1009, "unit": "per_month", "display": "$1,009/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55678.0, "price_incl_doc": 55678.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1008.68, "amount_financed": 59157.88, "sales_tax": 3479.88, "total_of_payments": 60521.09, "finance_charge": 1363.21, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262527, VIN JM3KKEHC8T1375364. $1,009 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,678, before any dealer documentation fee. Amount financed $59,158, including $3,480 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,521. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1375364_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 878, "unit": "per_month", "display": "$878/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55678.0, "price_incl_doc": 55678.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 878.17, "amount_financed": 59157.88, "sales_tax": 3479.88, "total_of_payments": 73766.68, "finance_charge": 14608.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262527, VIN JM3KKEHC8T1375364. $878 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,678, before any dealer documentation fee. Amount financed $59,158, including $3,480 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,767. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1375364_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 706, "unit": "per_month", "display": "$706/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60355.0, "selling_price": 55678.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 705.75, "net_cap_cost": 56273.0, "residual_value": 37420.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 705.75, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 865.75}, "total_of_payments": 25416, "total_of_payments_unrounded": 25407.0}, "disclosure": "Estimated lease payment for stock #MD262527, VIN JM3KKEHC8T1375364. $706 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $866, made up of $706 first payment, $60 title, $100 registration. MSRP $60,355. Lease selling price $55,678. Net capitalized cost $56,273. Residual value $37,420, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,416. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC8T1375364_lease", "type": "lease", "label": "Lease", "headline": {"value": 612, "unit": "per_month", "display": "$612/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60355.0, "selling_price": 55678.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 612.45, "net_cap_cost": 53274.0, "residual_value": 37420.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 612.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3771.45}, "total_of_payments": 22032, "total_of_payments_unrounded": 22048.2}, "disclosure": "Estimated lease payment for stock #MD262527, VIN JM3KKEHC8T1375364. $612 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,771, made up of $612 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $60,355. Lease selling price $55,678. Net capitalized cost $53,274. Residual value $37,420, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,032. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 266}}, {"vin": "1FMCU0J90EUE37278", "title": "2014 Ford Escape Titanium", "year": 2014, "make": "Ford", "model": "Escape", "trim": "Titanium", "decoded_trim": "Titanium", "condition": "used", "price": 8857.0, "msrp": 8857.0, "sale_price": 8972.0, "currency": "USD", "mileage": 110706, "exterior_color": "Black", "interior_color": null, "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "PHD0983", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"offers": [], "price_history": [], "window_sticker": {"msrp": 8857.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/1FMCU0J90EUE37278.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1fmcu0j90eue37278/2014-ford-escape-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1fmcu0j90eue37278/2014-ford-escape-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1FMCU0J90EUE37278.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1FMCU0J90EUE37278.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1FMCU0J90EUE37278.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1fmcu0j90eue37278/2014-ford-escape-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PHD0983, VIN 1FMCU0J90EUE37278. Advertised price: $8,857. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$8,857"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 8857.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1FMCU0J90EUE37278_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 221, "unit": "per_month", "display": "$221/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 8857.0, "price_incl_doc": 8857.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 220.96, "amount_financed": 9410.56, "sales_tax": 553.56, "total_of_payments": 10606.28, "finance_charge": 1195.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0983, VIN 1FMCU0J90EUE37278. $221 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $8,857, before any dealer documentation fee. Amount financed $9,411, including $554 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $10,606. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMCU0J90EUE37278_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 184, "unit": "per_month", "display": "$184/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 8857.0, "price_incl_doc": 8857.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 184.08, "amount_financed": 9410.56, "sales_tax": 553.56, "total_of_payments": 11045.06, "finance_charge": 1634.5, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0983, VIN 1FMCU0J90EUE37278. $184 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $8,857, before any dealer documentation fee. Amount financed $9,411, including $554 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $11,045. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1FMCU0J90EUE37278_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 160, "unit": "per_month", "display": "$160/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 8857.0, "price_incl_doc": 8857.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 160.4, "amount_financed": 9410.56, "sales_tax": 553.56, "total_of_payments": 11548.48, "finance_charge": 2137.92, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD0983, VIN 1FMCU0J90EUE37278. $160 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $8,857, before any dealer documentation fee. Amount financed $9,411, including $554 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $11,548. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha3t0167549/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $915. This offer applies to Stock #MD262884, VIN JM3KMBHA3T0167549. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,330. Advertised price: $33,415. Savings: $915, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,330"}, {"label": "Advertised price", "value": "$33,415"}, {"label": "Savings", "value": "$915, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $915", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33415.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA3T0167549_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 678, "unit": "per_month", "display": "$678/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33415.0, "price_incl_doc": 33415.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 677.99, "amount_financed": 35503.44, "sales_tax": 2088.44, "total_of_payments": 40679.59, "finance_charge": 5176.15, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262884, VIN JM3KMBHA3T0167549. $678 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,415, before any dealer documentation fee. Amount financed $35,503, including $2,088 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,680. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0167549_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33415.0, "price_incl_doc": 33415.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.23, "amount_financed": 35503.44, "sales_tax": 2088.44, "total_of_payments": 42352.34, "finance_charge": 6848.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262884, VIN JM3KMBHA3T0167549. $588 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,415, before any dealer documentation fee. Amount financed $35,503, including $2,088 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,352. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0167549_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33415.0, "price_incl_doc": 33415.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.03, "amount_financed": 35503.44, "sales_tax": 2088.44, "total_of_payments": 44270.87, "finance_charge": 8767.43, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262884, VIN JM3KMBHA3T0167549. $527 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,415, before any dealer documentation fee. Amount financed $35,503, including $2,088 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,271. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0167549_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34330.0, "selling_price": 33415.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.7, "net_cap_cost": 34010.0, "residual_value": 21284.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.7, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 623.7}, "total_of_payments": 16704, "total_of_payments_unrounded": 16693.2}, "disclosure": "Estimated lease payment for stock #MD262884, VIN JM3KMBHA3T0167549. $464 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $624, made up of $464 first payment, $60 title, $100 registration. MSRP $34,330. Lease selling price $33,415. Net capitalized cost $34,010. Residual value $21,285, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,704. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA3T0167549_lease", "type": "lease", "label": "Lease", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34330.0, "selling_price": 33415.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.41, "net_cap_cost": 31011.0, "residual_value": 21284.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.41, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.41}, "total_of_payments": 13320, "total_of_payments_unrounded": 13334.76}, "disclosure": "Estimated lease payment for stock #MD262884, VIN JM3KMBHA3T0167549. $370 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,529, made up of $370 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,330. Lease selling price $33,415. Net capitalized cost $31,011. Residual value $21,285, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $3,190. This offer applies to Stock #MD262541, VIN JM3KKBHD0T1377424. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $45,300. Advertised price: $42,110. Savings: $3,190, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$45,300"}, {"label": "Advertised price", "value": "$42,110"}, {"label": "Savings", "value": "$3,190, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $3,190", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42110.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKBHD0T1377424_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 763, "unit": "per_month", "display": "$763/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42110.0, "price_incl_doc": 42110.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 762.88, "amount_financed": 44741.88, "sales_tax": 2631.88, "total_of_payments": 45772.9, "finance_charge": 1031.02, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262541, VIN JM3KKBHD0T1377424. $763 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $42,110, before any dealer documentation fee. Amount financed $44,742, including $2,632 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $45,773. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD0T1377424_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42110.0, "price_incl_doc": 42110.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 664.18, "amount_financed": 44741.88, "sales_tax": 2631.88, "total_of_payments": 55790.71, "finance_charge": 11048.83, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262541, VIN JM3KKBHD0T1377424. $664 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,110, before any dealer documentation fee. Amount financed $44,742, including $2,632 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $55,791. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD0T1377424_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45300.0, "selling_price": 42110.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 544.29, "net_cap_cost": 42705.0, "residual_value": 28086.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 544.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 704.29}, "total_of_payments": 19584, "total_of_payments_unrounded": 19594.44}, "disclosure": "Estimated lease payment for stock #MD262541, VIN JM3KKBHD0T1377424. $544 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $704, made up of $544 first payment, $60 title, $100 registration. MSRP $45,300. Lease selling price $42,110. Net capitalized cost $42,705. Residual value $28,086, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,584. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD0T1377424_lease", "type": "lease", "label": "Lease", "headline": {"value": 451, "unit": "per_month", "display": "$451/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45300.0, "selling_price": 42110.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 450.99, "net_cap_cost": 39706.0, "residual_value": 28086.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 450.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3609.99}, "total_of_payments": 16236, "total_of_payments_unrounded": 16235.64}, "disclosure": "Estimated lease payment for stock #MD262541, VIN JM3KKBHD0T1377424. $451 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,610, made up of $451 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,300. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 15642.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNCRS9HZ244926_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 325, "unit": "per_month", "display": "$325/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15642.0, "price_incl_doc": 15642.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 325.1, "amount_financed": 16619.63, "sales_tax": 977.63, "total_of_payments": 19506.26, "finance_charge": 2886.63, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260626A, VIN 1GYKNCRS9HZ244926. $325 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $15,642, before any dealer documentation fee. Amount financed $16,620, including $978 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $19,506. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNCRS9HZ244926_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 283, "unit": "per_month", "display": "$283/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 15642.0, "price_incl_doc": 15642.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 283.27, "amount_financed": 16619.63, "sales_tax": 977.63, "total_of_payments": 20395.32, "finance_charge": 3775.69, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260626A, VIN 1GYKNCRS9HZ244926. $283 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $15,642, before any dealer documentation fee. Amount financed $16,620, including $978 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,395. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$23,514"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23514.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VV4B7AXXMM157863_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23514.0, "price_incl_doc": 23514.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.63, "amount_financed": 24983.63, "sales_tax": 1469.63, "total_of_payments": 28158.08, "finance_charge": 3174.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0994A, VIN 3VV4B7AXXMM157863. $587 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,514, before any dealer documentation fee. Amount financed $24,984, including $1,470 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,158. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VV4B7AXXMM157863_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 489, "unit": "per_month", "display": "$489/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23514.0, "price_incl_doc": 23514.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 488.72, "amount_financed": 24983.63, "sales_tax": 1469.63, "total_of_payments": 29322.98, "finance_charge": 4339.35, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0994A, VIN 3VV4B7AXXMM157863. $489 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,514, before any dealer documentation fee. Amount financed $24,984, including $1,470 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,323. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23514.0, "price_incl_doc": 23514.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.83, "amount_financed": 24983.63, "sales_tax": 1469.63, "total_of_payments": 30659.48, "finance_charge": 5675.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0994A, VIN 3VV4B7AXXMM157863. $426 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,514, before any dealer documentation fee. Amount financed $24,984, including $1,470 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,659. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26113.0, "price_incl_doc": 26113.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 542.73, "amount_financed": 27745.06, "sales_tax": 1632.06, "total_of_payments": 32564.04, "finance_charge": 4818.98, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260413XA, VIN 5LMCJ2D93LUL22989. $543 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $26,113, before any dealer documentation fee. Amount financed $27,745, including $1,632 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $32,564. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5LMCJ2D93LUL22989_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26113.0, "price_incl_doc": 26113.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 472.89, "amount_financed": 27745.06, "sales_tax": 1632.06, "total_of_payments": 34048.26, "finance_charge": 6303.2, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260413XA, VIN 5LMCJ2D93LUL22989. $473 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $26,113, before any dealer documentation fee. Amount financed $27,745, including $1,632 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $34,048. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0504, VIN KMTFC4SD5PU028423. Advertised price: $56,412. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$56,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 56412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMTFC4SD5PU028423_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1407, "unit": "per_month", "display": "$1,407/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56412.0, "price_incl_doc": 56412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1407.37, "amount_financed": 59937.75, "sales_tax": 3525.75, "total_of_payments": 67553.52, "finance_charge": 7615.77, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0504, VIN KMTFC4SD5PU028423. $1,407 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $56,412, before any dealer documentation fee. Amount financed $59,938, including $3,526 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $67,554. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMTFC4SD5PU028423_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1172, "unit": "per_month", "display": "$1,172/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56412.0, "price_incl_doc": 56412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1172.47, "amount_financed": 59937.75, "sales_tax": 3525.75, "total_of_payments": 70348.21, "finance_charge": 10410.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0504, VIN KMTFC4SD5PU028423. $1,172 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $56,412, before any dealer documentation fee. Amount financed $59,938, including $3,526 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $70,348. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMTFC4SD5PU028423_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1022, "unit": "per_month", "display": "$1,022/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56412.0, "price_incl_doc": 56412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1021.59, "amount_financed": 59937.75, "sales_tax": 3525.75, "total_of_payments": 73554.57, "finance_charge": 13616.82, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0504, VIN KMTFC4SD5PU028423. $1,022 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $56,412, before any dealer documentation fee. Amount financed $59,938, including $3,526 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $73,555. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYFZFR42PF140223_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 765, "unit": "per_month", "display": "$765/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30647.0, "price_incl_doc": 30647.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.58, "amount_financed": 32562.44, "sales_tax": 1915.44, "total_of_payments": 36699.87, "finance_charge": 4137.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260638A, VIN 1GYFZFR42PF140223. $765 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,647, before any dealer documentation fee. Amount financed $32,562, including $1,915 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,700. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYFZFR42PF140223_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30647.0, "price_incl_doc": 30647.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.97, "amount_financed": 32562.44, "sales_tax": 1915.44, "total_of_payments": 38218.14, "finance_charge": 5655.7, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260638A, VIN 1GYFZFR42PF140223. $637 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,647, before any dealer documentation fee. Amount financed $32,562, including $1,915 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,218. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYFZFR42PF140223_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 555, "unit": "per_month", "display": "$555/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30647.0, "price_incl_doc": 30647.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.0, "amount_financed": 32562.44, "sales_tax": 1915.44, "total_of_payments": 39960.07, "finance_charge": 7397.63, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260638A, VIN 1GYFZFR42PF140223. $555 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,647, before any dealer documentation fee. Amount financed $32,562, including $1,915 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,960. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KFBBMXP0250754", "title": "2023 Mazda CX-5 2.5 S Select Package", "year": 2023, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select Package", "decoded_trim": "Select Package", "condition": "used", "price": 24129.0, "msrp": 23716.0, "sale_price": 24390.0, "currency": "USD", "mileage": 58337, "exterior_color": "Machine Gray Metallic", "interior_color": "Silk Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262838A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023MAS06_640/2023MAS060221_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023MAS06_640/2023MAS060221_640_01.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2023, "trim": "Select Package", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 23716.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbbmxp0250754/2023-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbbmxp0250754/2023-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBBMXP0250754.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBBMXP0250754.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBBMXP0250754.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbbmxp0250754/2023-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262838A, VIN JM3KFBBMXP0250754. Advertised price: $24,129. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,129"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24129.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBBMXP0250754_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 602, "unit": "per_month", "display": "$602/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24129.0, "price_incl_doc": 24129.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.97, "amount_financed": 25637.06, "sales_tax": 1508.06, "total_of_payments": 28894.54, "finance_charge": 3257.48, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262838A, VIN JM3KFBBMXP0250754. $602 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,129, before any dealer documentation fee. Amount financed $25,637, including $1,508 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,895. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBBMXP0250754_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 502, "unit": "per_month", "display": "$502/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24129.0, "price_incl_doc": 24129.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 501.5, "amount_financed": 25637.06, "sales_tax": 1508.06, "total_of_payments": 30089.91, "finance_charge": 4452.85, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262838A, VIN JM3KFBBMXP0250754. $502 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,129, before any dealer documentation fee. Amount financed $25,637, including $1,508 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,090. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBBMXP0250754_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24129.0, "price_incl_doc": 24129.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 436.96, "amount_financed": 25637.06, "sales_tax": 1508.06, "total_of_payments": 31461.36, "finance_charge": 5824.3, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262838A, VIN JM3KFBBMXP0250754. $437 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,129, before any dealer documentation fee. Amount financed $25,637, including $1,508 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,461. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34751.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBEM5S0747702_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 867, "unit": "per_month", "display": "$867/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34751.0, "price_incl_doc": 34751.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 866.97, "amount_financed": 36922.94, "sales_tax": 2171.94, "total_of_payments": 41614.42, "finance_charge": 4691.48, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0902, VIN JM3KFBEM5S0747702. $867 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,751, before any dealer documentation fee. Amount financed $36,923, including $2,172 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,614. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEM5S0747702_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 722, "unit": "per_month", "display": "$722/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34751.0, "price_incl_doc": 34751.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 722.27, "amount_financed": 36922.94, "sales_tax": 2171.94, "total_of_payments": 43336.01, "finance_charge": 6413.07, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0902, VIN JM3KFBEM5S0747702. $722 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,751, before any dealer documentation fee. Amount financed $36,923, including $2,172 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,336. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34751.0, "price_incl_doc": 34751.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 629.32, "amount_financed": 36922.94, "sales_tax": 2171.94, "total_of_payments": 45311.2, "finance_charge": 8388.26, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0902, VIN JM3KFBEM5S0747702. $629 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,751, before any dealer documentation fee. Amount financed $36,923, including $2,172 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,311. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8RJES22TU045109_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 964, "unit": "per_month", "display": "$964/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46393.0, "price_incl_doc": 46393.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 964.23, "amount_financed": 49292.56, "sales_tax": 2899.56, "total_of_payments": 57854.08, "finance_charge": 8561.52, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260132, VIN KM8RJES22TU045109. $964 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,393, before any dealer documentation fee. Amount financed $49,293, including $2,900 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $57,854. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8RJES22TU045109_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 840, "unit": "per_month", "display": "$840/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46393.0, "price_incl_doc": 46393.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 840.15, "amount_financed": 49292.56, "sales_tax": 2899.56, "total_of_payments": 60490.98, "finance_charge": 11198.42, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260132, VIN KM8RJES22TU045109. $840 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,393, before any dealer documentation fee. Amount financed $49,293, including $2,900 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $60,491. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,898"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29898.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29898.0, "price_incl_doc": 29898.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.89, "amount_financed": 31766.63, "sales_tax": 1868.63, "total_of_payments": 35802.94, "finance_charge": 4036.31, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260292, VIN 5NMJACDEXTH647650. $746 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,898, before any dealer documentation fee. Amount financed $31,767, including $1,869 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,803. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJACDEXTH647650_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 621, "unit": "per_month", "display": "$621/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29898.0, "price_incl_doc": 29898.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.4, "amount_financed": 31766.63, "sales_tax": 1868.63, "total_of_payments": 37284.11, "finance_charge": 5517.48, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260292, VIN 5NMJACDEXTH647650. $621 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,898, before any dealer documentation fee. Amount financed $31,767, including $1,869 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,284. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1BF1FK0EU437787_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 290, "unit": "per_month", "display": "$290/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13965.0, "price_incl_doc": 13965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 290.25, "amount_financed": 14837.81, "sales_tax": 872.81, "total_of_payments": 17414.96, "finance_charge": 2577.15, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261078A, VIN 4T1BF1FK0EU437787. $290 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $13,965, before any dealer documentation fee. Amount financed $14,838, including $873 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,415. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4T1BF1FK0EU437787_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 253, "unit": "per_month", "display": "$253/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13965.0, "price_incl_doc": 13965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 252.9, "amount_financed": 14837.81, "sales_tax": 872.81, "total_of_payments": 18208.7, "finance_charge": 3370.89, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261078A, VIN 4T1BF1FK0EU437787. $253 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $13,965, before any dealer documentation fee. Amount financed $14,838, including $873 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,209. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21001.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1N4BL4EW4KC135607_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21001.0, "price_incl_doc": 21001.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 523.93, "amount_financed": 22313.56, "sales_tax": 1312.56, "total_of_payments": 25148.75, "finance_charge": 2835.19, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260452A, VIN 1N4BL4EW4KC135607. $524 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,001, before any dealer documentation fee. Amount financed $22,314, including $1,313 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $25,149. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1N4BL4EW4KC135607_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21001.0, "price_incl_doc": 21001.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 436.49, "amount_financed": 22313.56, "sales_tax": 1312.56, "total_of_payments": 26189.15, "finance_charge": 3875.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260452A, VIN 1N4BL4EW4KC135607. $436 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,001, before any dealer documentation fee. Amount financed $22,314, including $1,313 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $26,189. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37608.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP3DG19SH041211_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 938, "unit": "per_month", "display": "$938/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37608.0, "price_incl_doc": 37608.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 938.24, "amount_financed": 39958.5, "sales_tax": 2350.5, "total_of_payments": 45035.68, "finance_charge": 5077.18, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260166A, VIN 5NMP3DG19SH041211. $938 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,608, before any dealer documentation fee. Amount financed $39,958, including $2,350 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,036. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37608.0, "price_incl_doc": 37608.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 781.65, "amount_financed": 39958.5, "sales_tax": 2350.5, "total_of_payments": 46898.81, "finance_charge": 6940.31, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260166A, VIN 5NMP3DG19SH041211. $782 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,608, before any dealer documentation fee. Amount financed $39,958, including $2,350 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,899. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 68486.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMUHEESC7SU278055_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1709, "unit": "per_month", "display": "$1,709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 68486.0, "price_incl_doc": 68486.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1708.59, "amount_financed": 72766.38, "sales_tax": 4280.38, "total_of_payments": 82012.17, "finance_charge": 9245.79, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261258A, VIN KMUHEESC7SU278055. $1,709 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $68,486, before any dealer documentation fee. Amount financed $72,766, including $4,280 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $82,012. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUHEESC7SU278055_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1423, "unit": "per_month", "display": "$1,423/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 68486.0, "price_incl_doc": 68486.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1423.42, "amount_financed": 72766.38, "sales_tax": 4280.38, "total_of_payments": 85405.02, "finance_charge": 12638.64, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261258A, VIN KMUHEESC7SU278055. $1,423 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $68,486, before any dealer documentation fee. Amount financed $72,766, including $4,280 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $85,405. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKPGRSXPZ232459_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 860, "unit": "per_month", "display": "$860/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41390.0, "price_incl_doc": 41390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 860.25, "amount_financed": 43976.88, "sales_tax": 2586.88, "total_of_payments": 51615.13, "finance_charge": 7638.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260615A, VIN 1GYKPGRSXPZ232459. $860 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $41,390, before any dealer documentation fee. Amount financed $43,977, including $2,587 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $51,615. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKPGRSXPZ232459_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41390.0, "price_incl_doc": 41390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.55, "amount_financed": 43976.88, "sales_tax": 2586.88, "total_of_payments": 53967.67, "finance_charge": 9990.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260615A, VIN 1GYKPGRSXPZ232459. $750 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $41,390, before any dealer documentation fee. Amount financed $43,977, including $2,587 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $53,968. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KFBCM7S0753908", "title": "2025 Mazda CX-5 2.5 S Preferred Package", "year": 2025, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred Package", "decoded_trim": "Preferred", "condition": "used", "price": 30258.0, "msrp": 29845.0, "sale_price": 30414.0, "currency": "USD", "mileage": 2, "exterior_color": "Machine Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 26, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD252278", "stock_status": "Available", "availability": "In Stock", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,258"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30258.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCM7S0753908_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 755, "unit": "per_month", "display": "$755/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30258.0, "price_incl_doc": 30258.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.88, "amount_financed": 32149.13, "sales_tax": 1891.13, "total_of_payments": 36234.04, "finance_charge": 4084.91, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252278, VIN JM3KFBCM7S0753908. $755 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $30,258, before any dealer documentation fee. Amount financed $32,149, including $1,891 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $36,234. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCM7S0753908_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30258.0, "price_incl_doc": 30258.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.88, "amount_financed": 32149.13, "sales_tax": 1891.13, "total_of_payments": 37733.04, "finance_charge": 5583.91, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252278, VIN JM3KFBCM7S0753908. $629 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,258, before any dealer documentation fee. Amount financed $32,149, including $1,891 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,733. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23404.0, "price_incl_doc": 23404.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 486.43, "amount_financed": 24866.75, "sales_tax": 1462.75, "total_of_payments": 29185.8, "finance_charge": 4319.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260948, VIN KMHLM4DG8TU223346. $486 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,404, before any dealer documentation fee. Amount financed $24,867, including $1,463 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,186. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLM4DG8TU223346_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23404.0, "price_incl_doc": 23404.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 423.83, "amount_financed": 24866.75, "sales_tax": 1462.75, "total_of_payments": 30516.05, "finance_charge": 5649.3, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260948, VIN KMHLM4DG8TU223346. $424 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,404, before any dealer documentation fee. Amount financed $24,867, including $1,463 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $30,516. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33390.0, "price_incl_doc": 33390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 693.98, "amount_financed": 35476.88, "sales_tax": 2086.88, "total_of_payments": 41638.78, "finance_charge": 6161.9, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260546XA, VIN 1GYS4DKJXJR268586. $694 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $33,390, before any dealer documentation fee. Amount financed $35,477, including $2,087 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $41,639. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8HBCAB9RU161382_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 404, "unit": "per_month", "display": "$404/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 22293.0, "price_incl_doc": 22293.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 403.71, "amount_financed": 23686.31, "sales_tax": 1393.31, "total_of_payments": 29067.43, "finance_charge": 5381.12, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1041, VIN KM8HBCAB9RU161382. $404 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $22,293, before any dealer documentation fee. Amount financed $23,686, including $1,393 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $29,067. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,668"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27668.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCM4P0168615_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27668.0, "price_incl_doc": 27668.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.26, "amount_financed": 29397.25, "sales_tax": 1729.25, "total_of_payments": 33132.5, "finance_charge": 3735.25, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262942A, VIN JM3KFBCM4P0168615. $690 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,668, before any dealer documentation fee. Amount financed $29,397, including $1,729 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $33,132. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCM4P0168615_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 575, "unit": "per_month", "display": "$575/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27668.0, "price_incl_doc": 27668.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.05, "amount_financed": 29397.25, "sales_tax": 1729.25, "total_of_payments": 34503.2, "finance_charge": 5105.95, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262942A, VIN JM3KFBCM4P0168615. $575 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,668, before any dealer documentation fee. Amount financed $29,397, including $1,729 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,503. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCM4P0168615_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 501, "unit": "per_month", "display": "$501/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27668.0, "price_incl_doc": 27668.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 501.05, "amount_financed": 29397.25, "sales_tax": 1729.25, "total_of_payments": 36075.8, "finance_charge": 6678.55, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262942A, VIN JM3KFBCM4P0168615. $501 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,668, before any dealer documentation fee. Amount financed $29,397, including $1,729 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $36,076. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23833.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMHLM4DG6TU170193_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 595, "unit": "per_month", "display": "$595/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMHLM4DG6TU170193_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30925.0, "price_incl_doc": 30925.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.75, "amount_financed": 32857.81, "sales_tax": 1932.81, "total_of_payments": 38564.81, "finance_charge": 5707.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0825, VIN JM1NDAM74P0561920. $643 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,925, before any dealer documentation fee. Amount financed $32,858, including $1,933 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,565. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAM74P0561920_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 560, "unit": "per_month", "display": "$560/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30925.0, "price_incl_doc": 30925.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 560.04, "amount_financed": 32857.81, "sales_tax": 1932.81, "total_of_payments": 40322.54, "finance_charge": 7464.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0825, VIN JM1NDAM74P0561920. $560 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,925, before any dealer documentation fee. Amount financed $32,858, including $1,933 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $40,323. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 12883.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12883.0, "price_incl_doc": 12883.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 321.4, "amount_financed": 13688.19, "sales_tax": 805.19, "total_of_payments": 15427.43, "finance_charge": 1739.24, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262961A, VIN JHLRE4H71BC006184. $321 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $12,883, before any dealer documentation fee. Amount financed $13,688, including $805 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $15,427. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JHLRE4H71BC006184_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 268, "unit": "per_month", "display": "$268/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 12883.0, "price_incl_doc": 12883.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 267.76, "amount_financed": 13688.19, "sales_tax": 805.19, "total_of_payments": 16065.66, "finance_charge": 2377.47, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262961A, VIN JHLRE4H71BC006184. $268 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $12,883, before any dealer documentation fee. Amount financed $13,688, including $805 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $16,066. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30212.0, "price_incl_doc": 30212.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 627.93, "amount_financed": 32100.25, "sales_tax": 1888.25, "total_of_payments": 37675.67, "finance_charge": 5575.42, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260360, VIN 5NMJBCDE1TH611116. $628 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $30,212, before any dealer documentation fee. Amount financed $32,100, including $1,888 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $37,676. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCDE1TH611116_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30212.0, "price_incl_doc": 30212.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.12, "amount_financed": 32100.25, "sales_tax": 1888.25, "total_of_payments": 39392.87, "finance_charge": 7292.62, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #LHD260360, VIN 5NMJBCDE1TH611116. $547 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $30,212, before any dealer documentation fee. Amount financed $32,100, including $1,888 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $39,393. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 210}}, {"vin": "1G1BC5SM5H7171559", "title": "2017 Chevrolet Cruze LS", "year": 2017, "make": "Chevrolet", "model": "Cruze", "trim": "LS", "decoded_trim": "LS", "condition": "used", "price": 7523.0, "msrp": 7523.0, "sale_price": 7840.0, "currency": "USD", "mileage": 111024, "exterior_color": "Mosaic Black Metallic", "interior_color": "Jet Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Turbocharged Gas I4 1.4L/", "engine_displacement_l": 1.4, "engine_cylinders": 4, "transmission": "6-Speed Automatic", "mpg_city": 30, "mpg_hwy": 40, "range_miles": null, "battery_kwh": null, "stock_number": "HD261005AA", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$7,523"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 7523.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1BC5SM5H7171559_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 188, "unit": "per_month", "display": "$188/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7523.0, "price_incl_doc": 7523.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 187.68, "amount_financed": 7993.19, "sales_tax": 470.19, "total_of_payments": 9008.82, "finance_charge": 1015.63, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261005AA, VIN 1G1BC5SM5H7171559. $188 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $7,523, before any dealer documentation fee. Amount financed $7,993, including $470 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $9,009. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1BC5SM5H7171559_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 156, "unit": "per_month", "display": "$156/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7523.0, "price_incl_doc": 7523.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 156.36, "amount_financed": 7993.19, "sales_tax": 470.19, "total_of_payments": 9381.51, "finance_charge": 1388.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261005AA, VIN 1G1BC5SM5H7171559. $156 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $7,523, before any dealer documentation fee. Amount financed $7,993, including $470 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $9,382. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1BC5SM5H7171559_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 136, "unit": "per_month", "display": "$136/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 7523.0, "price_incl_doc": 7523.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 136.24, "amount_financed": 7993.19, "sales_tax": 470.19, "total_of_payments": 9809.1, "finance_charge": 1815.91, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261005AA, VIN 1G1BC5SM5H7171559. $136 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $7,523, before any dealer documentation fee. Amount financed $7,993, including $470 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $9,809. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33797.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1NDAC7XT0700735_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33797.0, "price_incl_doc": 33797.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 4.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda MX-5 MIATA \u2014 4.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 676.01, "amount_financed": 35909.31, "sales_tax": 2112.31, "total_of_payments": 40560.54, "finance_charge": 4651.23, "per_1000_financed": 18.83, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252332X, VIN JM1NDAC7XT0700735. $676 per month for 60 months at 4.9% APR, $0 cash down. Advertised price $33,797, before any dealer documentation fee. Amount financed $35,909, including $2,112 estimated sales tax at 6.25%. That is $18.83 per $1,000 financed. Total of payments $40,561. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAC7XT0700735_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 533, "unit": "per_month", "display": "$533/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33797.0, "price_incl_doc": 33797.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 533.06, "amount_financed": 35909.31, "sales_tax": 2112.31, "total_of_payments": 44776.97, "finance_charge": 8867.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD252332X, VIN JM1NDAC7XT0700735. $533 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,797, before any dealer documentation fee. Amount financed $35,909, including $2,112 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,777. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAC7XT0700735_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 451, "unit": "per_month", "display": "$451/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35765.0, "selling_price": 33797.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 450.74, "net_cap_cost": 34392.0, "residual_value": 22174.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 450.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 610.74}, "total_of_payments": 16236, "total_of_payments_unrounded": 16226.64}, "disclosure": "Estimated lease payment for stock #MD252332X, VIN JM1NDAC7XT0700735. $451 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $611, made up of $451 first payment, $60 title, $100 registration. MSRP $35,765. Lease selling price $33,797. Net capitalized cost $34,392. Residual value $22,174, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,236. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAC7XT0700735_lease", "type": "lease", "label": "Lease", "headline": {"value": 357, "unit": "per_month", "display": "$357/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35765.0, "selling_price": 33797.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 357.45, "net_cap_cost": 31393.0, "residual_value": 22174.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 357.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3516.45}, "total_of_payments": 12852, "total_of_payments_unrounded": 12868.2}, "disclosure": "Estimated lease payment for stock #MD252332X, VIN JM1NDAC7XT0700735. $357 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,516, made up of $357 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,765. Lease selling price $33,797. Net capitalized cost $31,393. Residual value $22,174, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,852. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 356}}, {"vin": "3VVGR7RM3TM022354", "title": "2026 Volkswagen Tiguan SE R-Line Black", "year": 2026, "make": "Volkswagen", "model": "Tiguan", "trim": "SE R-Line Black", "decoded_trim": "4Motion SE R-Line Black", "condition": "used", "price": 38012.0, "msrp": 37599.0, "sale_price": 38012.0, "currency": "USD", "mileage": 6257, "exterior_color": "Opal White Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "8-Speed Automatic w/OD", "mpg_city": 22, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1010", "stock_status": "Available", 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38012.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VVGR7RM3TM022354_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 948, "unit": "per_month", "display": "$948/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38012.0, "price_incl_doc": 38012.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 948.32, "amount_financed": 40387.75, "sales_tax": 2375.75, "total_of_payments": 45519.47, "finance_charge": 5131.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1010, VIN 3VVGR7RM3TM022354. $948 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,012, before any dealer documentation fee. Amount financed $40,388, including $2,376 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,519. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM022354_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 790, "unit": "per_month", "display": "$790/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38012.0, "price_incl_doc": 38012.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 790.04, "amount_financed": 40387.75, "sales_tax": 2375.75, "total_of_payments": 47402.61, "finance_charge": 7014.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1010, VIN 3VVGR7RM3TM022354. $790 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,012, before any dealer documentation fee. Amount financed $40,388, including $2,376 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,403. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVGR7RM3TM022354_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 688, "unit": "per_month", "display": "$688/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38012.0, "price_incl_doc": 38012.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 688.38, "amount_financed": 40387.75, "sales_tax": 2375.75, "total_of_payments": 49563.15, "finance_charge": 9175.4, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1010, VIN 3VVGR7RM3TM022354. $688 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,012, before any dealer documentation fee. Amount financed $40,388, including $2,376 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $49,563. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:09Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJYB62N8721045_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 633.93, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 30428.55, "finance_charge": 3430.42, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0991, VIN 1C4RJYB62N8721045. $634 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,429. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB62N8721045_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 528.12, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 31687.38, "finance_charge": 4689.25, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0991, VIN 1C4RJYB62N8721045. $528 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,687. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJYB62N8721045_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 460, "unit": "per_month", "display": "$460/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25410.0, "price_incl_doc": 25410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 460.16, "amount_financed": 26998.13, "sales_tax": 1588.13, "total_of_payments": 33131.64, "finance_charge": 6133.51, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0991, VIN 1C4RJYB62N8721045. $460 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,410, before any dealer documentation fee. Amount financed $26,998, including $1,588 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $33,132. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183075_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37250.0, "price_incl_doc": 37250.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.74, "amount_financed": 39578.13, "sales_tax": 2328.13, "total_of_payments": 47213.07, "finance_charge": 7634.94, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183075, VIN 7MMVAABW9TN183075. $656 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,250, before any dealer documentation fee. Amount financed $39,578, including $2,328 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,213. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183075_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37250.0, "price_incl_doc": 37250.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.52, "amount_financed": 39578.13, "sales_tax": 2328.13, "total_of_payments": 49351.79, "finance_charge": 9773.66, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183075, VIN 7MMVAABW9TN183075. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,250, before any dealer documentation fee. Amount financed $39,578, including $2,328 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,352. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183075_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37250.0, "selling_price": 37250.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.45, "net_cap_cost": 37845.0, "residual_value": 23095.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.45}, "total_of_payments": 19152, "total_of_payments_unrounded": 19168.2}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183075, VIN 7MMVAABW9TN183075. $532 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $692, made up of $532 first payment, $60 title, $100 registration. MSRP $37,250. Lease selling price $37,250. Net capitalized cost $37,845. Residual value $23,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,152. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183075_lease", "type": "lease", "label": "Lease", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37250.0, "selling_price": 37250.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.16, "net_cap_cost": 34846.0, "residual_value": 23095.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3598.16}, "total_of_payments": 15804, "total_of_payments_unrounded": 15809.76}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183075, VIN 7MMVAABW9TN183075. $439 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,598, made up of $439 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,250. Lease selling price $37,250. Net capitalized cost $34,846. Residual value $23,095, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 368}}, {"vin": "7MMVABEY4TN609967", "title": "2026 Mazda CX-50 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 45515.0, "msrp": 45515.0, "sale_price": 42772.0, "currency": "USD", "mileage": 5, "exterior_color": "Zircon Sand Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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"engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45515.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn609967/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn609967/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABEY4TN609967.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY4TN609967.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY4TN609967.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn609967/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262922, VIN 7MMVABEY4TN609967. Advertised price: $45,515. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$45,515"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45515.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY4TN609967_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 924, "unit": "per_month", "display": "$924/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45515.0, "price_incl_doc": 45515.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 923.5, "amount_financed": 48359.69, "sales_tax": 2844.69, "total_of_payments": 55410.19, "finance_charge": 7050.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262922, VIN 7MMVABEY4TN609967. $924 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,515, before any dealer documentation fee. Amount financed $48,360, including $2,845 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,410. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN609967_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 801, "unit": "per_month", "display": "$801/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45515.0, "price_incl_doc": 45515.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 801.23, "amount_financed": 48359.69, "sales_tax": 2844.69, "total_of_payments": 57688.67, "finance_charge": 9328.98, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262922, VIN 7MMVABEY4TN609967. $801 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,515, before any dealer documentation fee. Amount financed $48,360, including $2,845 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,689. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN609967_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45515.0, "price_incl_doc": 45515.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.88, "amount_financed": 48359.69, "sales_tax": 2844.69, "total_of_payments": 60301.92, "finance_charge": 11942.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262922, VIN 7MMVABEY4TN609967. $718 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,515, before any dealer documentation fee. Amount financed $48,360, including $2,845 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,302. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN609967_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45515.0, "selling_price": 45515.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 646.49, "net_cap_cost": 46110.0, "residual_value": 28219.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 646.49, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 806.49}, "total_of_payments": 23256, "total_of_payments_unrounded": 23273.64}, "disclosure": "Estimated lease payment for stock #MD262922, VIN 7MMVABEY4TN609967. $646 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $806, made up of $646 first payment, $60 title, $100 registration. MSRP $45,515. Lease selling price $45,515. Net capitalized cost $46,110. Residual value $28,219, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN609967_lease", "type": "lease", "label": "Lease", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45515.0, "selling_price": 45515.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 553.19, "net_cap_cost": 43111.0, "residual_value": 28219.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 553.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3712.19}, "total_of_payments": 19908, "total_of_payments_unrounded": 19914.84}, "disclosure": "Estimated lease payment for stock #MD262922, VIN 7MMVABEY4TN609967. $553 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,712, made up of $553 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,515. Lease selling price $45,515. Net capitalized cost $43,111. Residual value $28,219, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,908. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 370}}, {"vin": "7MMVABBL9TN607298", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 35330.0, "msrp": 35330.0, "sale_price": 33287.0, "currency": "USD", "mileage": 7, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"offers": [], "price_history": [], "window_sticker": {"msrp": 35330.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl9tn607298/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl9tn607298/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL9TN607298.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL9TN607298.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL9TN607298.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl9tn607298/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262910, VIN 7MMVABBL9TN607298. Advertised price: $35,330. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,330"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35330.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL9TN607298_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 717, "unit": "per_month", "display": "$717/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.85, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 43010.92, "finance_charge": 5472.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262910, VIN 7MMVABBL9TN607298. $717 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,011. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN607298_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 622, "unit": "per_month", "display": "$622/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 621.94, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 44779.54, "finance_charge": 7241.41, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262910, VIN 7MMVABBL9TN607298. $622 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $44,780. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN607298_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 557, "unit": "per_month", "display": "$557/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35330.0, "price_incl_doc": 35330.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 557.24, "amount_financed": 37538.13, "sales_tax": 2208.13, "total_of_payments": 46808.02, "finance_charge": 9269.89, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262910, VIN 7MMVABBL9TN607298. $557 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,330, before any dealer documentation fee. Amount financed $37,538, including $2,208 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,808. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN607298_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 506, "unit": "per_month", "display": "$506/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35330.0, "selling_price": 35330.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 505.96, "net_cap_cost": 35925.0, "residual_value": 21904.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 505.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 665.96}, "total_of_payments": 18216, "total_of_payments_unrounded": 18214.56}, "disclosure": "Estimated lease payment for stock #MD262910, VIN 7MMVABBL9TN607298. $506 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $666, made up of $506 first payment, $60 title, $100 registration. MSRP $35,330. Lease selling price $35,330. Net capitalized cost $35,925. Residual value $21,905, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,216. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL9TN607298_lease", "type": "lease", "label": "Lease", "headline": {"value": 413, "unit": "per_month", "display": "$413/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35330.0, "selling_price": 35330.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 412.67, "net_cap_cost": 32926.0, "residual_value": 21904.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 412.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3571.67}, "total_of_payments": 14868, "total_of_payments_unrounded": 14856.12}, "disclosure": "Estimated lease payment for stock #MD262910, VIN 7MMVABBL9TN607298. $413 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,572, made up of $413 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,330. Lease selling price $35,330. Net capitalized cost $32,926. Residual value $21,905, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,868. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 367}}, {"vin": "7MMVABDL4TN615743", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 37100.0, "msrp": 37100.0, "sale_price": 37100.0, "currency": "USD", "mileage": null, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 25, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVABDL4TN615743", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVABDL4TN615743_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37100.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl4tn615743/2026-mazda-cx-50-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl4tn615743/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABDL4TN615743.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL4TN615743.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL4TN615743.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl4tn615743/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. Advertised price: $37,100. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,100"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37100.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL4TN615743_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 753, "unit": "per_month", "display": "$753/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37100.0, "price_incl_doc": 37100.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 752.76, "amount_financed": 39418.75, "sales_tax": 2318.75, "total_of_payments": 45165.72, "finance_charge": 5746.97, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. $753 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,100, before any dealer documentation fee. Amount financed $39,419, including $2,319 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,166. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN615743_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37100.0, "price_incl_doc": 37100.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 653.1, "amount_financed": 39418.75, "sales_tax": 2318.75, "total_of_payments": 47022.95, "finance_charge": 7604.2, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. $653 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,100, before any dealer documentation fee. Amount financed $39,419, including $2,319 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,023. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN615743_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 585, "unit": "per_month", "display": "$585/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37100.0, "price_incl_doc": 37100.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.16, "amount_financed": 39418.75, "sales_tax": 2318.75, "total_of_payments": 49153.05, "finance_charge": 9734.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. $585 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,100, before any dealer documentation fee. Amount financed $39,419, including $2,319 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,153. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN615743_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37100.0, "selling_price": 37100.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 530.38, "net_cap_cost": 37695.0, "residual_value": 23002.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 530.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 690.38}, "total_of_payments": 19080, "total_of_payments_unrounded": 19093.68}, "disclosure": "Estimated lease payment for stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. $530 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $690, made up of $530 first payment, $60 title, $100 registration. MSRP $37,100. Lease selling price $37,100. Net capitalized cost $37,695. Residual value $23,002, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,080. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL4TN615743_lease", "type": "lease", "label": "Lease", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37100.0, "selling_price": 37100.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 437.09, "net_cap_cost": 34696.0, "residual_value": 23002.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 437.09, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3596.09}, "total_of_payments": 15732, "total_of_payments_unrounded": 15735.24}, "disclosure": "Estimated lease payment for stock #7MMVABDL4TN615743, VIN 7MMVABDL4TN615743. $437 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,596, made up of $437 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,100. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 23801.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JF1GUABC3R8284762_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 594, "unit": "per_month", "display": "$594/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23801.0, "price_incl_doc": 23801.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.79, "amount_financed": 25288.56, "sales_tax": 1487.56, "total_of_payments": 28501.76, "finance_charge": 3213.2, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1019, VIN JF1GUABC3R8284762. $594 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $23,801, before any dealer documentation fee. Amount financed $25,289, including $1,488 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $28,502. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JF1GUABC3R8284762_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23801.0, "price_incl_doc": 23801.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 494.68, "amount_financed": 25288.56, "sales_tax": 1487.56, "total_of_payments": 29680.88, "finance_charge": 4392.32, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1019, VIN JF1GUABC3R8284762. $495 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $23,801, before any dealer documentation fee. Amount financed $25,289, including $1,488 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $29,681. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 23801.0, "price_incl_doc": 23801.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 431.02, "amount_financed": 25288.56, "sales_tax": 1487.56, "total_of_payments": 31033.68, "finance_charge": 5745.12, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1019, VIN JF1GUABC3R8284762. $431 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $23,801, before any dealer documentation fee. Amount financed $25,289, including $1,488 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $31,034. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Edition", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42880.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy7tn491295/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy7tn491295/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABXY7TN491295.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY7TN491295.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY7TN491295.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy7tn491295/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,653. This offer applies to Stock #NRMD262807, VIN 7MMVABXY7TN491295. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $42,880. Advertised price: $40,227. Savings: $2,653, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$42,880"}, {"label": "Advertised price", "value": "$40,227"}, {"label": "Savings", "value": "$2,653, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,653", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40227.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXY7TN491295_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 816, "unit": "per_month", "display": "$816/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40227.0, "price_incl_doc": 40227.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.21, "amount_financed": 42741.19, "sales_tax": 2514.19, "total_of_payments": 48972.55, "finance_charge": 6231.36, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262807, VIN 7MMVABXY7TN491295. $816 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,227, before any dealer documentation fee. Amount financed $42,741, including $2,514 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,973. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY7TN491295_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 708, "unit": "per_month", "display": "$708/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40227.0, "price_incl_doc": 40227.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.14, "amount_financed": 42741.19, "sales_tax": 2514.19, "total_of_payments": 50986.31, "finance_charge": 8245.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262807, VIN 7MMVABXY7TN491295. $708 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,227, before any dealer documentation fee. Amount financed $42,741, including $2,514 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,986. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY7TN491295_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40227.0, "price_incl_doc": 40227.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.48, "amount_financed": 42741.19, "sales_tax": 2514.19, "total_of_payments": 53295.96, "finance_charge": 10554.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262807, VIN 7MMVABXY7TN491295. $634 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,227, before any dealer documentation fee. Amount financed $42,741, including $2,514 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,296. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY7TN491295_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42880.0, "selling_price": 40227.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.6, "net_cap_cost": 40822.0, "residual_value": 26585.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.6, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.6}, "total_of_payments": 19008, "total_of_payments_unrounded": 18993.6}, "disclosure": "Estimated lease payment for stock #NRMD262807, VIN 7MMVABXY7TN491295. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $42,880. Lease selling price $40,227. Net capitalized cost $40,822. Residual value $26,586, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY7TN491295_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42880.0, "selling_price": 40227.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.31, "net_cap_cost": 37823.0, "residual_value": 26585.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.31, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.31}, "total_of_payments": 15624, "total_of_payments_unrounded": 15635.16}, "disclosure": "Estimated lease payment for stock #NRMD262807, VIN 7MMVABXY7TN491295. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,880. Lease selling price $40,227. Net capitalized cost $37,823. Residual value $26,586, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjahf1t1351929/2026-mazda-cx-70-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,151. This offer applies to Stock #MD262729, VIN JM3KJAHF1T1351929. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,005. Advertised price: $39,854. Savings: $6,151, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,005"}, {"label": "Advertised price", "value": "$39,854"}, {"label": "Savings", "value": "$6,151, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,151", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39854.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJAHF1T1351929_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 809, "unit": "per_month", "display": "$809/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39854.0, "price_incl_doc": 39854.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 808.64, "amount_financed": 42344.88, "sales_tax": 2490.88, "total_of_payments": 48518.46, "finance_charge": 6173.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262729, VIN JM3KJAHF1T1351929. $809 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,854, before any dealer documentation fee. Amount financed $42,345, including $2,491 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,518. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF1T1351929_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39854.0, "price_incl_doc": 39854.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 701.58, "amount_financed": 42344.88, "sales_tax": 2490.88, "total_of_payments": 50513.55, "finance_charge": 8168.67, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262729, VIN JM3KJAHF1T1351929. $702 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,854, before any dealer documentation fee. Amount financed $42,345, including $2,491 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,514. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF1T1351929_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 629, "unit": "per_month", "display": "$629/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39854.0, "price_incl_doc": 39854.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 628.59, "amount_financed": 42344.88, "sales_tax": 2490.88, "total_of_payments": 52801.78, "finance_charge": 10456.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262729, VIN JM3KJAHF1T1351929. $629 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,854, before any dealer documentation fee. Amount financed $42,345, including $2,491 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,802. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF1T1351929_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 462, "unit": "per_month", "display": "$462/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46005.0, "selling_price": 39854.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 461.9, "net_cap_cost": 40449.0, "residual_value": 28523.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 461.9, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 621.9}, "total_of_payments": 16632, "total_of_payments_unrounded": 16628.4}, "disclosure": "Estimated lease payment for stock #MD262729, VIN JM3KJAHF1T1351929. $462 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $622, made up of $462 first payment, $60 title, $100 registration. MSRP $46,005. Lease selling price $39,854. Net capitalized cost $40,449. Residual value $28,523, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,632. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF1T1351929_lease", "type": "lease", "label": "Lease", "headline": {"value": 369, "unit": "per_month", "display": "$369/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46005.0, "selling_price": 39854.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 368.61, "net_cap_cost": 37450.0, "residual_value": 28523.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 368.61, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3527.61}, "total_of_payments": 13284, "total_of_payments_unrounded": 13269.96}, "disclosure": "Estimated lease payment for stock #MD262729, VIN JM3KJAHF1T1351929. $369 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,528, made up of $369 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,005. Lease selling price $39,854. Net capitalized cost $37,450. Residual value $28,523, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,284. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,919. This offer applies to Stock #MD262804, VIN 3MVDMBXLXTM152126. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $32,465. Advertised price: $30,546. Savings: $1,919, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$32,465"}, {"label": "Advertised price", "value": "$30,546"}, {"label": "Savings", "value": "$1,919, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,919", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30546.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBXLXTM152126_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30546.0, "price_incl_doc": 30546.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.45, "amount_financed": 32455.13, "sales_tax": 1909.13, "total_of_payments": 34046.82, "finance_charge": 1591.69, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262804, VIN 3MVDMBXLXTM152126. $567 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $30,546, before any dealer documentation fee. Amount financed $32,455, including $1,909 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $34,047. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXLXTM152126_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 482, "unit": "per_month", "display": "$482/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30546.0, "price_incl_doc": 30546.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 481.78, "amount_financed": 32455.13, "sales_tax": 1909.13, "total_of_payments": 40469.8, "finance_charge": 8014.67, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262804, VIN 3MVDMBXLXTM152126. $482 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,546, before any dealer documentation fee. Amount financed $32,455, including $1,909 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,470. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXLXTM152126_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 407, "unit": "per_month", "display": "$407/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32465.0, "selling_price": 30546.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 406.74, "net_cap_cost": 31141.0, "residual_value": 20128.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 406.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 566.74}, "total_of_payments": 14652, "total_of_payments_unrounded": 14642.64}, "disclosure": "Estimated lease payment for stock #MD262804, VIN 3MVDMBXLXTM152126. $407 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $567, made up of $407 first payment, $60 title, $100 registration. MSRP $32,465. Lease selling price $30,546. Net capitalized cost $31,141. Residual value $20,128, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,652. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXLXTM152126_lease", "type": "lease", "label": "Lease", "headline": {"value": 313, "unit": "per_month", "display": "$313/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32465.0, "selling_price": 30546.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 313.45, "net_cap_cost": 28142.0, "residual_value": 20128.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 313.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3472.45}, "total_of_payments": 11268, "total_of_payments_unrounded": 11284.2}, "disclosure": "Estimated lease payment for stock #MD262804, VIN 3MVDMBXLXTM152126. $313 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,472, made up of $313 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,465. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27125.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KL47LCE21RB098727_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 677, "unit": "per_month", "display": "$677/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27125.0, "price_incl_doc": 27125.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 676.71, "amount_financed": 28820.31, "sales_tax": 1695.31, "total_of_payments": 32482.26, "finance_charge": 3661.95, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261266A, VIN KL47LCE21RB098727. $677 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,125, before any dealer documentation fee. Amount financed $28,820, including $1,695 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,482. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KL47LCE21RB098727_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27125.0, "price_incl_doc": 27125.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 563.77, "amount_financed": 28820.31, "sales_tax": 1695.31, "total_of_payments": 33826.05, "finance_charge": 5005.74, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261266A, VIN KL47LCE21RB098727. $564 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,125, before any dealer documentation fee. Amount financed $28,820, including $1,695 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $33,826. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27570.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABLXT1895075_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 559, "unit": "per_month", "display": "$559/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27570.0, "price_incl_doc": 27570.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 559.4, "amount_financed": 29293.13, "sales_tax": 1723.13, "total_of_payments": 33563.86, "finance_charge": 4270.73, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1895075, VIN JM1BPABLXT1895075. $559 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $27,570, before any dealer documentation fee. Amount financed $29,293, including $1,723 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $33,564. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1895075_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27570.0, "price_incl_doc": 27570.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 485.33, "amount_financed": 29293.13, "sales_tax": 1723.13, "total_of_payments": 34944.01, "finance_charge": 5650.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1895075, VIN JM1BPABLXT1895075. $485 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $27,570, before any dealer documentation fee. Amount financed $29,293, including $1,723 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,944. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1895075_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27570.0, "price_incl_doc": 27570.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 434.84, "amount_financed": 29293.13, "sales_tax": 1723.13, "total_of_payments": 36526.95, "finance_charge": 7233.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABLXT1895075, VIN JM1BPABLXT1895075. $435 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $27,570, before any dealer documentation fee. Amount financed $29,293, including $1,723 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $36,527. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1895075_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27570.0, "selling_price": 27570.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.9, "net_cap_cost": 28165.0, "residual_value": 17093.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.9, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 558.9}, "total_of_payments": 14364, "total_of_payments_unrounded": 14360.4}, "disclosure": "Estimated lease payment for stock #JM1BPABLXT1895075, VIN JM1BPABLXT1895075. $399 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $559, made up of $399 first payment, $60 title, $100 registration. MSRP $27,570. Lease selling price $27,570. Net capitalized cost $28,165. Residual value $17,093, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABLXT1895075_lease", "type": "lease", "label": "Lease", "headline": {"value": 306, "unit": "per_month", "display": "$306/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 27570.0, "selling_price": 27570.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 305.6, "net_cap_cost": 25166.0, "residual_value": 17093.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 305.6, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3464.6}, "total_of_payments": 11016, "total_of_payments_unrounded": 11001.6}, "disclosure": "Estimated lease payment for stock #JM1BPABLXT1895075, VIN JM1BPABLXT1895075. $306 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,465, made up of $306 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $27,570. Lease selling price $27,570. Net capitalized cost $25,166. Residual value $17,093, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,016. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 366}}, {"vin": "5NMJE3AE2PH291807", "title": "2023 Hyundai Tucson Limited", "year": 2023, "make": "Hyundai", "model": "Tucson", "trim": "Limited", "decoded_trim": "Limited", "condition": "used", "price": 27320.0, "msrp": 26907.0, "sale_price": 27159.0, "currency": "USD", "mileage": 15632, "exterior_color": "Intense Blue", "interior_color": "Black", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmje3ae2ph291807/2023-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMJE3AE2PH291807.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMJE3AE2PH291807.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMJE3AE2PH291807.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmje3ae2ph291807/2023-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #VD262195A, VIN 5NMJE3AE2PH291807. Advertised price: $27,320. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,320"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27320.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJE3AE2PH291807_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 682, "unit": "per_month", "display": "$682/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27320.0, "price_incl_doc": 27320.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 681.58, "amount_financed": 29027.5, "sales_tax": 1707.5, "total_of_payments": 32715.77, "finance_charge": 3688.27, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262195A, VIN 5NMJE3AE2PH291807. $682 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,320, before any dealer documentation fee. Amount financed $29,028, including $1,708 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,716. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJE3AE2PH291807_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 568, "unit": "per_month", "display": "$568/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27320.0, "price_incl_doc": 27320.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 567.82, "amount_financed": 29027.5, "sales_tax": 1707.5, "total_of_payments": 34069.22, "finance_charge": 5041.72, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262195A, VIN 5NMJE3AE2PH291807. $568 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,320, before any dealer documentation fee. Amount financed $29,028, including $1,708 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,069. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJE3AE2PH291807_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27320.0, "price_incl_doc": 27320.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 494.75, "amount_financed": 29027.5, "sales_tax": 1707.5, "total_of_payments": 35622.05, "finance_charge": 6594.55, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262195A, VIN 5NMJE3AE2PH291807. $495 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,320, before any dealer documentation fee. Amount financed $29,028, including $1,708 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,622. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37678.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37678.0, "price_incl_doc": 37678.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 939.99, "amount_financed": 40032.88, "sales_tax": 2354.88, "total_of_payments": 45119.51, "finance_charge": 5086.63, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261244A, VIN KMUMCDTC9NU057235. $940 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,678, before any dealer documentation fee. Amount financed $40,033, including $2,355 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,120. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMUMCDTC9NU057235_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 783, "unit": "per_month", "display": "$783/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37678.0, "price_incl_doc": 37678.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.1, "amount_financed": 40032.88, "sales_tax": 2354.88, "total_of_payments": 46986.11, "finance_charge": 6953.23, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD261244A, VIN KMUMCDTC9NU057235. $783 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,678, before any dealer documentation fee. Amount financed $40,033, including $2,355 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,986. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0170444/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $995. This offer applies to Stock #MD262905, VIN JM3KMBHA4T0170444. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,730. Advertised price: $33,735. Savings: $995, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,730"}, {"label": "Advertised price", "value": "$33,735"}, {"label": "Savings", "value": "$995, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $995", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33735.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA4T0170444_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 684, "unit": "per_month", "display": "$684/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.49, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 41069.16, "finance_charge": 5225.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262905, VIN JM3KMBHA4T0170444. $684 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,069. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0170444_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 594, "unit": "per_month", "display": "$594/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.86, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 42757.93, "finance_charge": 6914.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262905, VIN JM3KMBHA4T0170444. $594 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,758. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0170444_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.08, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 44694.84, "finance_charge": 8851.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262905, VIN JM3KMBHA4T0170444. $532 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,695. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0170444_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34730.0, "selling_price": 33735.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.73, "net_cap_cost": 34330.0, "residual_value": 21532.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 626.73}, "total_of_payments": 16812, "total_of_payments_unrounded": 16802.28}, "disclosure": "Estimated lease payment for stock #MD262905, VIN JM3KMBHA4T0170444. $467 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $627, made up of $467 first payment, $60 title, $100 registration. MSRP $34,730. Lease selling price $33,735. Net capitalized cost $34,330. Residual value $21,533, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,812. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0170444_lease", "type": "lease", "label": "Lease", "headline": {"value": 373, "unit": "per_month", "display": "$373/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34730.0, "selling_price": 33735.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 373.44, "net_cap_cost": 31331.0, "residual_value": 21532.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 373.44, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3532.44}, "total_of_payments": 13428, "total_of_payments_unrounded": 13443.84}, "disclosure": "Estimated lease payment for stock #MD262905, VIN JM3KMBHA4T0170444. $373 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,532, made up of $373 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,730. Lease selling price $33,735. Net capitalized cost $31,331. Residual value $21,533, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,428. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 336}}, {"vin": "JM3KMCHAXT0178859", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 35920.0, "msrp": 35920.0, "sale_price": 35920.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0178859", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0178859_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35920.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0178859/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0178859/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0178859.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0178859.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0178859.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0178859/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. Advertised price: $35,920. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,920"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35920.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0178859_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 729, "unit": "per_month", "display": "$729/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35920.0, "price_incl_doc": 35920.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.82, "amount_financed": 38165.0, "sales_tax": 2245.0, "total_of_payments": 43729.18, "finance_charge": 5564.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,920, before any dealer documentation fee. Amount financed $38,165, including $2,245 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,729. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0178859_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35920.0, "price_incl_doc": 35920.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.32, "amount_financed": 38165.0, "sales_tax": 2245.0, "total_of_payments": 45527.34, "finance_charge": 7362.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. $632 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,920, before any dealer documentation fee. Amount financed $38,165, including $2,245 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,527. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0178859_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 567, "unit": "per_month", "display": "$567/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35920.0, "price_incl_doc": 35920.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.54, "amount_financed": 38165.0, "sales_tax": 2245.0, "total_of_payments": 47589.7, "finance_charge": 9424.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. $567 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,920, before any dealer documentation fee. Amount financed $38,165, including $2,245 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,590. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0178859_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35920.0, "selling_price": 35920.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 514.1, "net_cap_cost": 36515.0, "residual_value": 22270.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 674.1}, "total_of_payments": 18504, "total_of_payments_unrounded": 18507.6}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $35,920. Lease selling price $35,920. Net capitalized cost $36,515. Residual value $22,270, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0178859_lease", "type": "lease", "label": "Lease", "headline": {"value": 421, "unit": "per_month", "display": "$421/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35920.0, "selling_price": 35920.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 420.81, "net_cap_cost": 33516.0, "residual_value": 22270.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.81}, "total_of_payments": 15156, "total_of_payments_unrounded": 15149.16}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0178859, VIN JM3KMCHAXT0178859. $421 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,580, made up of $421 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,920. Lease selling price $35,920. Net capitalized cost $33,516. Residual value $22,270, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 348}}, {"vin": "7MMVAADW3TN169640", "title": "2026 Mazda CX-50 Hybrid Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 37279.0, "msrp": 39755.0, "sale_price": 37279.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": 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{"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw3tn169640/2026-mazda-cx-50-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAADW3TN169640.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW3TN169640.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW3TN169640.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw3tn169640/2026-mazda-cx-50-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,476. This offer applies to Stock #MD262758, VIN 7MMVAADW3TN169640. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,755. Advertised price: $37,279. Savings: $2,476, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,755"}, {"label": "Advertised price", "value": "$37,279"}, {"label": "Savings", "value": "$2,476, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,476", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37279.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAADW3TN169640_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 756, "unit": "per_month", "display": "$756/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37279.0, "price_incl_doc": 37279.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 756.39, "amount_financed": 39608.94, "sales_tax": 2329.94, "total_of_payments": 45383.64, "finance_charge": 5774.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262758, VIN 7MMVAADW3TN169640. $756 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,279, before any dealer documentation fee. Amount financed $39,609, including $2,330 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,384. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW3TN169640_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 656, "unit": "per_month", "display": "$656/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37279.0, "price_incl_doc": 37279.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 656.25, "amount_financed": 39608.94, "sales_tax": 2329.94, "total_of_payments": 47249.82, "finance_charge": 7640.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262758, VIN 7MMVAADW3TN169640. $656 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,279, before any dealer documentation fee. Amount financed $39,609, including $2,330 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,250. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW3TN169640_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37279.0, "price_incl_doc": 37279.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 587.98, "amount_financed": 39608.94, "sales_tax": 2329.94, "total_of_payments": 49390.21, "finance_charge": 9781.27, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262758, VIN 7MMVAADW3TN169640. $588 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,279, before any dealer documentation fee. Amount financed $39,609, including $2,330 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,390. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW3TN169640_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 490, "unit": "per_month", "display": "$490/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39755.0, "selling_price": 37279.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 489.99, "net_cap_cost": 37874.0, "residual_value": 24648.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 489.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 649.99}, "total_of_payments": 17640, "total_of_payments_unrounded": 17639.64}, "disclosure": "Estimated lease payment for stock #MD262758, VIN 7MMVAADW3TN169640. $490 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $650, made up of $490 first payment, $60 title, $100 registration. MSRP $39,755. Lease selling price $37,279. Net capitalized cost $37,874. Residual value $24,648, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,640. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW3TN169640_lease", "type": "lease", "label": "Lease", "headline": {"value": 397, "unit": "per_month", "display": "$397/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39755.0, "selling_price": 37279.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 396.7, "net_cap_cost": 34875.0, "residual_value": 24648.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 396.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3555.7}, "total_of_payments": 14292, "total_of_payments_unrounded": 14281.2}, "disclosure": "Estimated lease payment for stock #MD262758, VIN 7MMVAADW3TN169640. $397 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,556, made up of $397 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,755. Lease selling price $37,279. Net capitalized cost $34,875. Residual value $24,648, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,292. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49685.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49685.0, "price_incl_doc": 49685.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 900.11, "amount_financed": 52790.31, "sales_tax": 3105.31, "total_of_payments": 54006.79, "finance_charge": 1216.48, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262661X, VIN JM3KKCHD3T1367217. $900 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $49,685, before any dealer documentation fee. Amount financed $52,790, including $3,105 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $54,007. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD3T1367217_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 784, "unit": "per_month", "display": "$784/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49685.0, "price_incl_doc": 49685.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 783.65, "amount_financed": 52790.31, "sales_tax": 3105.31, "total_of_payments": 65826.67, "finance_charge": 13036.36, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262661X, VIN JM3KKCHD3T1367217. $784 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,685, before any dealer documentation fee. Amount financed $52,790, including $3,105 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,827. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49685.0, "selling_price": 49685.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 704.02, "net_cap_cost": 50280.0, "residual_value": 30804.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 704.02, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 864.02}, "total_of_payments": 25344, "total_of_payments_unrounded": 25344.72}, "disclosure": "Estimated lease payment for stock #MD262661X, VIN JM3KKCHD3T1367217. $704 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $864, made up of $704 first payment, $60 title, $100 registration. MSRP $49,685. Lease selling price $49,685. Net capitalized cost $50,280. Residual value $30,805, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,344. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD3T1367217_lease", "type": "lease", "label": "Lease", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49685.0, "selling_price": 49685.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 610.73, "net_cap_cost": 47281.0, "residual_value": 30804.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 610.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3769.73}, "total_of_payments": 21996, "total_of_payments_unrounded": 21986.28}, "disclosure": "Estimated lease payment for stock #MD262661X, VIN JM3KKCHD3T1367217. $611 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,770, made up of $611 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,685. 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Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33093.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA2T0164478_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33093.0, "price_incl_doc": 33093.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.46, "amount_financed": 35161.31, "sales_tax": 2068.31, "total_of_payments": 40287.58, "finance_charge": 5126.27, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262893, VIN JM3KMBHA2T0164478. $671 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,093, before any dealer documentation fee. Amount financed $35,161, including $2,068 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,288. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0164478_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33093.0, "price_incl_doc": 33093.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.56, "amount_financed": 35161.31, "sales_tax": 2068.31, "total_of_payments": 41944.21, "finance_charge": 6782.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262893, VIN JM3KMBHA2T0164478. $583 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,093, before any dealer documentation fee. Amount financed $35,161, including $2,068 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,944. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0164478_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33093.0, "price_incl_doc": 33093.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.96, "amount_financed": 35161.31, "sales_tax": 2068.31, "total_of_payments": 43844.26, "finance_charge": 8682.95, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262893, VIN JM3KMBHA2T0164478. $522 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,093, before any dealer documentation fee. Amount financed $35,161, including $2,068 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,844. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0164478_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 459, "unit": "per_month", "display": "$459/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33995.0, "selling_price": 33093.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 459.48, "net_cap_cost": 33688.0, "residual_value": 21076.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 459.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 619.48}, "total_of_payments": 16524, "total_of_payments_unrounded": 16541.28}, "disclosure": "Estimated lease payment for stock #MD262893, VIN JM3KMBHA2T0164478. $459 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $619, made up of $459 first payment, $60 title, $100 registration. MSRP $33,995. Lease selling price $33,093. Net capitalized cost $33,688. Residual value $21,077, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,524. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0164478_lease", "type": "lease", "label": "Lease", "headline": {"value": 366, "unit": "per_month", "display": "$366/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33995.0, "selling_price": 33093.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 366.19, "net_cap_cost": 30689.0, "residual_value": 21076.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 366.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3525.19}, "total_of_payments": 13176, "total_of_payments_unrounded": 13182.84}, "disclosure": "Estimated lease payment for stock #MD262893, VIN JM3KMBHA2T0164478. $366 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,525, made up of $366 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,995. Lease selling price $33,093. Net capitalized cost $30,689. Residual value $21,077, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 357}}, {"vin": "5FNYG1H83PB014114", "title": "2023 Honda Pilot Elite", "year": 2023, "make": "Honda", "model": "Pilot", "trim": "Elite", "decoded_trim": "ELITE", "condition": "used", "price": 34148.0, "msrp": 33735.0, "sale_price": 34123.0, "currency": "USD", "mileage": 89448, "exterior_color": "Obsidian Blue Pearl", "interior_color": "Brown", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.5 L/212", "engine_displacement_l": 3.5, "engine_cylinders": 6, "transmission": "10-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PHD1021", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,148"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34148.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYG1H83PB014114_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34148.0, "price_incl_doc": 34148.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.73, "amount_financed": 36282.25, "sales_tax": 2134.25, "total_of_payments": 42584.04, "finance_charge": 6301.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1021, VIN 5FNYG1H83PB014114. $710 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,148, before any dealer documentation fee. Amount financed $36,282, including $2,134 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $42,584. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5FNYG1H83PB014114_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34148.0, "price_incl_doc": 34148.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.4, "amount_financed": 36282.25, "sales_tax": 2134.25, "total_of_payments": 44524.95, "finance_charge": 8242.7, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1021, VIN 5FNYG1H83PB014114. $618 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,148, before any dealer documentation fee. Amount financed $36,282, including $2,134 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $44,525. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,709. This offer applies to Stock #MD262817, VIN JM3KKCHA2T1392616. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $58,700. Advertised price: $51,991. Savings: $6,709, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$58,700"}, {"label": "Advertised price", "value": "$51,991"}, {"label": "Savings", "value": "$6,709, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,709", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51991.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHA2T1392616_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1055, "unit": "per_month", "display": "$1,055/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51991.0, "price_incl_doc": 51991.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1054.9, "amount_financed": 55240.44, "sales_tax": 3249.44, "total_of_payments": 63294.1, "finance_charge": 8053.66, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262817, VIN JM3KKCHA2T1392616. $1,055 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,991, before any dealer documentation fee. Amount financed $55,240, including $3,249 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,294. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA2T1392616_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 915, "unit": "per_month", "display": "$915/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51991.0, "price_incl_doc": 51991.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 915.23, "amount_financed": 55240.44, "sales_tax": 3249.44, "total_of_payments": 65896.77, "finance_charge": 10656.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262817, VIN JM3KKCHA2T1392616. $915 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,991, before any dealer documentation fee. Amount financed $55,240, including $3,249 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,897. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA2T1392616_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 820, "unit": "per_month", "display": "$820/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51991.0, "price_incl_doc": 51991.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 820.02, "amount_financed": 55240.44, "sales_tax": 3249.44, "total_of_payments": 68881.85, "finance_charge": 13641.41, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262817, VIN JM3KKCHA2T1392616. $820 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,991, before any dealer documentation fee. Amount financed $55,240, including $3,249 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,882. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA2T1392616_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58700.0, "selling_price": 51991.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 619.7, "net_cap_cost": 52586.0, "residual_value": 36394.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 619.7, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 779.7}, "total_of_payments": 22320, "total_of_payments_unrounded": 22309.2}, "disclosure": "Estimated lease payment for stock #MD262817, VIN JM3KKCHA2T1392616. $620 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $780, made up of $620 first payment, $60 title, $100 registration. MSRP $58,700. Lease selling price $51,991. Net capitalized cost $52,586. Residual value $36,394, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA2T1392616_lease", "type": "lease", "label": "Lease", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58700.0, "selling_price": 51991.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.41, "net_cap_cost": 49587.0, "residual_value": 36394.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.41, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3685.41}, "total_of_payments": 18936, "total_of_payments_unrounded": 18950.76}, "disclosure": "Estimated lease payment for stock #MD262817, VIN JM3KKCHA2T1392616. $526 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,685, made up of $526 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $58,700. Lease selling price $51,991. Net capitalized cost $49,587. Residual value $36,394, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,936. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 337}}, {"vin": "7MMVABDL5TN612737", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 36870.0, "msrp": 36870.0, "sale_price": 35280.0, "currency": "USD", "mileage": 2, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262934", "stock_status": "Available", "availability": "In Stock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262934, VIN 7MMVABDL5TN612737. Advertised price: $36,870. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,870"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36870.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL5TN612737_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 748, "unit": "per_month", "display": "$748/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 748.1, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 44885.72, "finance_charge": 5711.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262934, VIN 7MMVABDL5TN612737. $748 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,886. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612737_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.05, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 46731.43, "finance_charge": 7557.05, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262934, VIN 7MMVABDL5TN612737. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,731. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612737_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 582, "unit": "per_month", "display": "$582/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36870.0, "price_incl_doc": 36870.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.53, "amount_financed": 39174.38, "sales_tax": 2304.38, "total_of_payments": 48848.34, "finance_charge": 9673.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262934, VIN 7MMVABDL5TN612737. $582 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,870, before any dealer documentation fee. Amount financed $39,174, including $2,304 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,848. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612737_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36870.0, "selling_price": 36870.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 527.21, "net_cap_cost": 37465.0, "residual_value": 22859.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 527.21, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 687.21}, "total_of_payments": 18972, "total_of_payments_unrounded": 18979.56}, "disclosure": "Estimated lease payment for stock #MD262934, VIN 7MMVABDL5TN612737. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,870. Lease selling price $36,870. Net capitalized cost $37,465. Residual value $22,859, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL5TN612737_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36870.0, "selling_price": 36870.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.92, "net_cap_cost": 34466.0, "residual_value": 22859.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.92, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.92}, "total_of_payments": 15624, "total_of_payments_unrounded": 15621.12}, "disclosure": "Estimated lease payment for stock #MD262934, VIN 7MMVABDL5TN612737. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,593, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,870. Lease selling price $36,870. Net capitalized cost $34,466. Residual value $22,859, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 333}}, {"vin": "JM3KKEHC7T1386999", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 56018.0, "msrp": 60780.0, "sale_price": 56018.0, "currency": "USD", "mileage": 7, "exterior_color": "Artisan Red Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,762. This offer applies to Stock #MD262717, VIN JM3KKEHC7T1386999. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $60,780. Advertised price: $56,018. Savings: $4,762, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$60,780"}, {"label": "Advertised price", "value": "$56,018"}, {"label": "Savings", "value": "$4,762, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,762", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 56018.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC7T1386999_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1015, "unit": "per_month", "display": "$1,015/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56018.0, "price_incl_doc": 56018.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1014.84, "amount_financed": 59519.13, "sales_tax": 3501.13, "total_of_payments": 60890.67, "finance_charge": 1371.54, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262717, VIN JM3KKEHC7T1386999. $1,015 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $56,018, before any dealer documentation fee. Amount financed $59,519, including $3,501 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,891. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386999_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 884, "unit": "per_month", "display": "$884/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56018.0, "price_incl_doc": 56018.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 883.54, "amount_financed": 59519.13, "sales_tax": 3501.13, "total_of_payments": 74217.14, "finance_charge": 14698.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262717, VIN JM3KKEHC7T1386999. $884 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $56,018, before any dealer documentation fee. Amount financed $59,519, including $3,501 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $74,217. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386999_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60780.0, "selling_price": 56018.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 708.97, "net_cap_cost": 56613.0, "residual_value": 37683.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 708.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 868.97}, "total_of_payments": 25524, "total_of_payments_unrounded": 25522.92}, "disclosure": "Estimated lease payment for stock #MD262717, VIN JM3KKEHC7T1386999. $709 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $869, made up of $709 first payment, $60 title, $100 registration. MSRP $60,780. Lease selling price $56,018. Net capitalized cost $56,613. Residual value $37,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,524. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386999_lease", "type": "lease", "label": "Lease", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60780.0, "selling_price": 56018.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.67, "net_cap_cost": 53614.0, "residual_value": 37683.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3774.67}, "total_of_payments": 22176, "total_of_payments_unrounded": 22164.12}, "disclosure": "Estimated lease payment for stock #MD262717, VIN JM3KKEHC7T1386999. $616 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,775, made up of $616 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $60,780. Lease selling price $56,018. Net capitalized cost $53,614. Residual value $37,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 323}}, {"vin": "JM3KMBHA1T0168036", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33575.0, "msrp": 34530.0, "sale_price": 33575.0, "currency": "USD", "mileage": 7, "exterior_color": "Machine Gray Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262881", "stock_status": "Available", "availability": "In Stock", 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0168036/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0168036/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA1T0168036.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0168036.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA1T0168036.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha1t0168036/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $955. This offer applies to Stock #MD262881, VIN JM3KMBHA1T0168036. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,530. Advertised price: $33,575. Savings: $955, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,530"}, {"label": "Advertised price", "value": "$33,575"}, {"label": "Savings", "value": "$955, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $955", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33575.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA1T0168036_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 681, "unit": "per_month", "display": "$681/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33575.0, "price_incl_doc": 33575.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 681.24, "amount_financed": 35673.44, "sales_tax": 2098.44, "total_of_payments": 40874.37, "finance_charge": 5200.93, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262881, VIN JM3KMBHA1T0168036. $681 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,575, before any dealer documentation fee. Amount financed $35,673, including $2,098 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,874. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0168036_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 591, "unit": "per_month", "display": "$591/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33575.0, "price_incl_doc": 33575.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 591.04, "amount_financed": 35673.44, "sales_tax": 2098.44, "total_of_payments": 42555.14, "finance_charge": 6881.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262881, VIN JM3KMBHA1T0168036. $591 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,575, before any dealer documentation fee. Amount financed $35,673, including $2,098 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,555. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0168036_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33575.0, "price_incl_doc": 33575.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 529.56, "amount_financed": 35673.44, "sales_tax": 2098.44, "total_of_payments": 44482.85, "finance_charge": 8809.41, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262881, VIN JM3KMBHA1T0168036. $530 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,575, before any dealer documentation fee. Amount financed $35,673, including $2,098 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,483. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0168036_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 465, "unit": "per_month", "display": "$465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34530.0, "selling_price": 33575.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 465.22, "net_cap_cost": 34170.0, "residual_value": 21408.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 465.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 625.22}, "total_of_payments": 16740, "total_of_payments_unrounded": 16747.92}, "disclosure": "Estimated lease payment for stock #MD262881, VIN JM3KMBHA1T0168036. $465 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $625, made up of $465 first payment, $60 title, $100 registration. MSRP $34,530. Lease selling price $33,575. Net capitalized cost $34,170. Residual value $21,409, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,740. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA1T0168036_lease", "type": "lease", "label": "Lease", "headline": {"value": 372, "unit": "per_month", "display": "$372/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34530.0, "selling_price": 33575.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 371.93, "net_cap_cost": 31171.0, "residual_value": 21408.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 371.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3530.93}, "total_of_payments": 13392, "total_of_payments_unrounded": 13389.48}, "disclosure": "Estimated lease payment for stock #MD262881, VIN JM3KMBHA1T0168036. $372 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,531, made up of $372 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,530. Lease selling price $33,575. Net capitalized cost $31,171. Residual value $21,409, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,392. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 316}}, {"vin": "7MMVAABW9TN183819", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36840.0, "msrp": 36840.0, "sale_price": 36840.0, "currency": "USD", "mileage": null, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAABW9TN183819", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183819_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36840.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183819/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183819/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW9TN183819.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183819.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183819.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183819/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. Advertised price: $36,840. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,840"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW9TN183819_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 747.49, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 44849.2, "finance_charge": 5706.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. $747 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,849. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183819_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.52, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 46693.4, "finance_charge": 7550.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,693. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183819_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.05, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 48808.59, "finance_charge": 9666.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. $581 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,809. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183819_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36840.0, "selling_price": 36840.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.8, "net_cap_cost": 37435.0, "residual_value": 22840.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.8}, "total_of_payments": 18972, "total_of_payments_unrounded": 18964.8}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,840. Lease selling price $36,840. Net capitalized cost $37,435. Residual value $22,841, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183819_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36840.0, "selling_price": 36840.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.5, "net_cap_cost": 34436.0, "residual_value": 22840.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.5}, "total_of_payments": 15624, "total_of_payments_unrounded": 15606.0}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183819, VIN 7MMVAABW9TN183819. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,592, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,840. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31196.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MW89FF09P8D14892_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 778, "unit": "per_month", "display": "$778/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31196.0, "price_incl_doc": 31196.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 778.28, "amount_financed": 33145.75, "sales_tax": 1949.75, "total_of_payments": 37357.29, "finance_charge": 4211.54, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0852, VIN 3MW89FF09P8D14892. $778 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $31,196, before any dealer documentation fee. Amount financed $33,146, including $1,950 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $37,357. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MW89FF09P8D14892_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 648, "unit": "per_month", "display": "$648/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31196.0, "price_incl_doc": 31196.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.38, "amount_financed": 33145.75, "sales_tax": 1949.75, "total_of_payments": 38902.76, "finance_charge": 5757.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0852, VIN 3MW89FF09P8D14892. $648 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $31,196, before any dealer documentation fee. Amount financed $33,146, including $1,950 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $38,903. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0176078_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 758, "unit": "per_month", "display": "$758/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37375.0, "price_incl_doc": 37375.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.34, "amount_financed": 39710.94, "sales_tax": 2335.94, "total_of_payments": 45500.51, "finance_charge": 5789.57, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0176078, VIN JM3KMCHA5T0176078. $758 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,375, before any dealer documentation fee. Amount financed $39,711, including $2,336 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,501. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0176078_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 658, "unit": "per_month", "display": "$658/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37375.0, "price_incl_doc": 37375.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 657.94, "amount_financed": 39710.94, "sales_tax": 2335.94, "total_of_payments": 47371.5, "finance_charge": 7660.56, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0176078, VIN JM3KMCHA5T0176078. $658 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,375, before any dealer documentation fee. Amount financed $39,711, including $2,336 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,372. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0176078_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37375.0, "price_incl_doc": 37375.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.49, "amount_financed": 39710.94, "sales_tax": 2335.94, "total_of_payments": 49517.4, "finance_charge": 9806.46, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0176078, VIN JM3KMCHA5T0176078. $589 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,375, before any dealer documentation fee. Amount financed $39,711, including $2,336 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,517. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0176078_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37375.0, "selling_price": 37375.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 534.18, "net_cap_cost": 37970.0, "residual_value": 23172.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 534.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 694.18}, "total_of_payments": 19224, "total_of_payments_unrounded": 19230.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0176078, VIN JM3KMCHA5T0176078. $534 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $694, made up of $534 first payment, $60 title, $100 registration. MSRP $37,375. Lease selling price $37,375. Net capitalized cost $37,970. Residual value $23,172, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,224. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0176078_lease", "type": "lease", "label": "Lease", "headline": {"value": 441, "unit": "per_month", "display": "$441/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37375.0, "selling_price": 37375.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 440.89, "net_cap_cost": 34971.0, "residual_value": 23172.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 440.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3599.89}, "total_of_payments": 15876, "total_of_payments_unrounded": 15872.04}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0176078, VIN JM3KMCHA5T0176078. $441 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,600, made up of $441 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,375. Lease selling price $37,375. Net capitalized cost $34,971. Residual value $23,172, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,876. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 351}}, {"vin": "JM3KKEHC5T1371966", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 59250.0, "msrp": 59250.0, "sale_price": 54746.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "White Premium Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": 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fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc5t1371966/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHC5T1371966.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC5T1371966.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC5T1371966.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc5t1371966/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262460, VIN JM3KKEHC5T1371966. Advertised price: $59,250. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$59,250"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 59250.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC5T1371966_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1073, "unit": "per_month", "display": "$1,073/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59250.0, "price_incl_doc": 59250.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1073.4, "amount_financed": 62953.13, "sales_tax": 3703.13, "total_of_payments": 64403.8, "finance_charge": 1450.67, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262460, VIN JM3KKEHC5T1371966. $1,073 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $59,250, before any dealer documentation fee. Amount financed $62,953, including $3,703 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $64,404. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC5T1371966_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 935, "unit": "per_month", "display": "$935/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59250.0, "price_incl_doc": 59250.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 934.51, "amount_financed": 62953.13, "sales_tax": 3703.13, "total_of_payments": 78499.16, "finance_charge": 15546.03, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262460, VIN JM3KKEHC5T1371966. $935 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $59,250, before any dealer documentation fee. Amount financed $62,953, including $3,703 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $78,499. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC5T1371966_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59250.0, "selling_price": 59250.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 835.99, "net_cap_cost": 59845.0, "residual_value": 36735.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 835.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 995.99}, "total_of_payments": 30096, "total_of_payments_unrounded": 30095.64}, "disclosure": "Estimated lease payment for stock #MD262460, VIN JM3KKEHC5T1371966. $836 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $996, made up of $836 first payment, $60 title, $100 registration. MSRP $59,250. Lease selling price $59,250. Net capitalized cost $59,845. Residual value $36,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $30,096. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC5T1371966_lease", "type": "lease", "label": "Lease", "headline": {"value": 743, "unit": "per_month", "display": "$743/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59250.0, "selling_price": 59250.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 742.7, "net_cap_cost": 56846.0, "residual_value": 36735.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 742.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3901.7}, "total_of_payments": 26748, "total_of_payments_unrounded": 26737.2}, "disclosure": "Estimated lease payment for stock #MD262460, VIN JM3KKEHC5T1371966. $743 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,902, made up of $743 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $59,250. Lease selling price $59,250. Net capitalized cost $56,846. Residual value $36,735, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,748. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 323}}, {"vin": "7SAYGAEEXNF567014", "title": "2022 Tesla Model Y Long Range", "year": 2022, "make": "Tesla", "model": "Model Y", "trim": "Long Range", "decoded_trim": null, "condition": "used", "price": 27456.0, "msrp": 27043.0, "sale_price": 27997.0, "currency": "USD", "mileage": 77086, "exterior_color": "Red Multi Coat", "interior_color": null, "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Electric Fuel System", "doors": 4, "seating_capacity": null, 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"price_history": [], "window_sticker": {"msrp": 27043.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/7saygaeexnf567014/2022-tesla-model-y-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/7saygaeexnf567014/2022-tesla-model-y-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7SAYGAEEXNF567014.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7SAYGAEEXNF567014.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7SAYGAEEXNF567014.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/7saygaeexnf567014/2022-tesla-model-y-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262655AA, VIN 7SAYGAEEXNF567014. Advertised price: $27,456. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$27,456"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 27456.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7SAYGAEEXNF567014_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 685, "unit": "per_month", "display": "$685/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27456.0, "price_incl_doc": 27456.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.97, "amount_financed": 29172.0, "sales_tax": 1716.0, "total_of_payments": 32878.63, "finance_charge": 3706.63, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262655AA, VIN 7SAYGAEEXNF567014. $685 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $27,456, before any dealer documentation fee. Amount financed $29,172, including $1,716 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $32,879. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SAYGAEEXNF567014_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 571, "unit": "per_month", "display": "$571/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27456.0, "price_incl_doc": 27456.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.65, "amount_financed": 29172.0, "sales_tax": 1716.0, "total_of_payments": 34238.82, "finance_charge": 5066.82, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262655AA, VIN 7SAYGAEEXNF567014. $571 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,456, before any dealer documentation fee. Amount financed $29,172, including $1,716 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,239. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7SAYGAEEXNF567014_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27456.0, "price_incl_doc": 27456.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 497.21, "amount_financed": 29172.0, "sales_tax": 1716.0, "total_of_payments": 35799.38, "finance_charge": 6627.38, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262655AA, VIN 7SAYGAEEXNF567014. $497 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,456, before any dealer documentation fee. Amount financed $29,172, including $1,716 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,799. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 238}}, {"vin": "JM3KKDHC4T1386839", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Sport AWD", "decoded_trim": "S-Premium Sport", "condition": "new", "price": 52145.0, "msrp": 56690.0, "sale_price": 52145.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "White Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262705", "stock_status": "Available", 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc4t1386839/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKDHC4T1386839.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC4T1386839.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC4T1386839.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc4t1386839/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,545. This offer applies to Stock #MD262705, VIN JM3KKDHC4T1386839. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $56,690. Advertised price: $52,145. Savings: $4,545, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$56,690"}, {"label": "Advertised price", "value": "$52,145"}, {"label": "Savings", "value": "$4,545, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,545", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52145.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC4T1386839_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 945, "unit": "per_month", "display": "$945/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52145.0, "price_incl_doc": 52145.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 944.68, "amount_financed": 55404.06, "sales_tax": 3259.06, "total_of_payments": 56680.77, "finance_charge": 1276.71, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262705, VIN JM3KKDHC4T1386839. $945 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,145, before any dealer documentation fee. Amount financed $55,404, including $3,259 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $56,681. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC4T1386839_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 822, "unit": "per_month", "display": "$822/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52145.0, "price_incl_doc": 52145.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.45, "amount_financed": 55404.06, "sales_tax": 3259.06, "total_of_payments": 69085.87, "finance_charge": 13681.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262705, VIN JM3KKDHC4T1386839. $822 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,145, before any dealer documentation fee. Amount financed $55,404, including $3,259 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $69,086. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC4T1386839_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 659, "unit": "per_month", "display": "$659/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56690.0, "selling_price": 52145.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 659.29, "net_cap_cost": 52740.0, "residual_value": 35147.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 659.29, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 819.29}, "total_of_payments": 23724, "total_of_payments_unrounded": 23734.44}, "disclosure": "Estimated lease payment for stock #MD262705, VIN JM3KKDHC4T1386839. $659 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $819, made up of $659 first payment, $60 title, $100 registration. MSRP $56,690. Lease selling price $52,145. Net capitalized cost $52,740. Residual value $35,148, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,724. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC4T1386839_lease", "type": "lease", "label": "Lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56690.0, "selling_price": 52145.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.99, "net_cap_cost": 49741.0, "residual_value": 35147.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3724.99}, "total_of_payments": 20376, "total_of_payments_unrounded": 20375.64}, "disclosure": "Estimated lease payment for stock #MD262705, VIN JM3KKDHC4T1386839. $566 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,725, made up of $566 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $56,690. Lease selling price $52,145. Net capitalized cost $49,741. Residual value $35,148, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 374}}, {"vin": "JM3KMCHAXT0188534", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36820.0, "msrp": 36820.0, "sale_price": 36970.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0188534", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHAXT0188534_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36820.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0188534/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0188534/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0188534.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0188534.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0188534.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0188534/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. Advertised price: $36,820. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,820"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36820.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0188534_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36820.0, "price_incl_doc": 36820.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 747.08, "amount_financed": 39121.25, "sales_tax": 2301.25, "total_of_payments": 44824.85, "finance_charge": 5703.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. $747 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,820, before any dealer documentation fee. Amount financed $39,121, including $2,301 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,825. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0188534_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 648, "unit": "per_month", "display": "$648/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36820.0, "price_incl_doc": 36820.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.17, "amount_financed": 39121.25, "sales_tax": 2301.25, "total_of_payments": 46668.06, "finance_charge": 7546.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. $648 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,820, before any dealer documentation fee. Amount financed $39,121, including $2,301 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,668. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0188534_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36820.0, "price_incl_doc": 36820.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.74, "amount_financed": 39121.25, "sales_tax": 2301.25, "total_of_payments": 48782.09, "finance_charge": 9660.84, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. $581 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,820, before any dealer documentation fee. Amount financed $39,121, including $2,301 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,782. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0188534_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36820.0, "selling_price": 36820.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.52, "net_cap_cost": 37415.0, "residual_value": 22828.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.52}, "total_of_payments": 18972, "total_of_payments_unrounded": 18954.72}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,820. Lease selling price $36,820. Net capitalized cost $37,415. Residual value $22,828, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0188534_lease", "type": "lease", "label": "Lease", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36820.0, "selling_price": 36820.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.23, "net_cap_cost": 34416.0, "residual_value": 22828.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.23}, "total_of_payments": 15588, "total_of_payments_unrounded": 15596.28}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0188534, VIN JM3KMCHAXT0188534. $433 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,592, made up of $433 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,820. Lease selling price $36,820. Net capitalized cost $34,416. Residual value $22,828, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,588. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 368}}, {"vin": "WAULDAF82SN013775", "title": "2025 Audi A8 L 55", "year": 2025, "make": "Audi", "model": "A8", "trim": "L 55", "decoded_trim": "quattro", "condition": "used", "price": 73872.0, "msrp": 73459.0, "sale_price": 73989.0, "currency": "USD", "mileage": 4378, "exterior_color": "Mythos Black Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled 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A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$56,080"}, {"label": "Advertised price", "value": "$51,535"}, {"label": "Savings", "value": "$4,545, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,545", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51535.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJDHCXT1207254_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 934, "unit": "per_month", "display": "$934/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51535.0, "price_incl_doc": 51535.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 933.63, "amount_financed": 54755.94, "sales_tax": 3220.94, "total_of_payments": 56017.72, "finance_charge": 1261.78, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262710, VIN JM3KJDHCXT1207254. $934 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $51,535, before any dealer documentation fee. Amount financed $54,756, including $3,221 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $56,018. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHCXT1207254_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 813, "unit": "per_month", "display": "$813/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51535.0, "price_incl_doc": 51535.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 812.83, "amount_financed": 54755.94, "sales_tax": 3220.94, "total_of_payments": 68277.7, "finance_charge": 13521.76, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262710, VIN JM3KJDHCXT1207254. $813 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,535, before any dealer documentation fee. Amount financed $54,756, including $3,221 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,278. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHCXT1207254_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 651, "unit": "per_month", "display": "$651/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56080.0, "selling_price": 51535.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 650.87, "net_cap_cost": 52130.0, "residual_value": 34769.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 650.87, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 810.87}, "total_of_payments": 23436, "total_of_payments_unrounded": 23431.32}, "disclosure": "Estimated lease payment for stock #MD262710, VIN JM3KJDHCXT1207254. $651 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $811, made up of $651 first payment, $60 title, $100 registration. MSRP $56,080. Lease selling price $51,535. Net capitalized cost $52,130. Residual value $34,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,436. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHCXT1207254_lease", "type": "lease", "label": "Lease", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56080.0, "selling_price": 51535.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 557.58, "net_cap_cost": 49131.0, "residual_value": 34769.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 557.58, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3716.58}, "total_of_payments": 20088, "total_of_payments_unrounded": 20072.88}, "disclosure": "Estimated lease payment for stock #MD262710, VIN JM3KJDHCXT1207254. $558 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,717, made up of $558 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $56,080. Lease selling price $51,535. Net capitalized cost $49,131. Residual value $34,770, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,088. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 384}}, {"vin": "1G1YB3D46R5128893", "title": "2024 Chevrolet Corvette 2LT", "year": 2024, "make": "Chevrolet", "model": "Corvette", "trim": "2LT", "decoded_trim": "Preferred  2LT", "condition": "used", "price": 74904.0, "msrp": 74491.0, "sale_price": 75991.0, "currency": "USD", "mileage": 10210, "exterior_color": "Riptide Blue Metallic", "interior_color": "Adrenaline Red", "drivetrain": "RWD", "body_style": "Convertible", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, "engine": "Gas V8 6.2L/", "engine_displacement_l": 6.2, "engine_cylinders": 8, "transmission": "8-Speed Automatic", "mpg_city": 16, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0498", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$74,904"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 74904.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1YB3D46R5128893_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1869, "unit": "per_month", "display": "$1,869/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 74904.0, "price_incl_doc": 74904.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1868.7, "amount_financed": 79585.5, "sales_tax": 4681.5, "total_of_payments": 89697.74, "finance_charge": 10112.24, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0498, VIN 1G1YB3D46R5128893. $1,869 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $74,904, before any dealer documentation fee. Amount financed $79,586, including $4,682 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $89,698. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1YB3D46R5128893_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1557, "unit": "per_month", "display": "$1,557/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 74904.0, "price_incl_doc": 74904.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1556.81, "amount_financed": 79585.5, "sales_tax": 4681.5, "total_of_payments": 93408.54, "finance_charge": 13823.04, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0498, VIN 1G1YB3D46R5128893. $1,557 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $74,904, before any dealer documentation fee. Amount financed $79,586, including $4,682 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $93,409. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1YB3D46R5128893_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1356, "unit": "per_month", "display": "$1,356/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 74904.0, "price_incl_doc": 74904.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1356.47, "amount_financed": 79585.5, "sales_tax": 4681.5, "total_of_payments": 97665.95, "finance_charge": 18080.45, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0498, VIN 1G1YB3D46R5128893. $1,356 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $74,904, before any dealer documentation fee. Amount financed $79,586, including $4,682 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $97,666. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "5NMP2DG14TH096749", "title": "2026 Hyundai Santa Fe Hybrid SEL", "year": 2026, "make": "Hyundai", "model": "Santa Fe Hybrid", "trim": "SEL", "decoded_trim": "SEL", "condition": "used", "price": 39937.0, "msrp": 39524.0, "sale_price": 39713.0, "currency": "USD", "mileage": 9, "exterior_color": "Ultimate Red", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Gas/Electric I-4 1.6 L/98", "engine_displacement_l": 1.6, "engine_cylinders": null, "transmission": "6-Speed Automatic w/OD", "mpg_city": 35, "mpg_hwy": 34, "range_miles": null, "battery_kwh": null, "stock_number": "HD260263", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/b7b3fdd8b9d74604a852c33db9353361.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/b7b3fdd8b9d74604a852c33db9353361.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/314062dbf83c456eb2f6c5b581231737.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/437785a1c407483fa45876d76bb296f0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/a70a753e3f4542a285eceb3963d585d0.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b26d8c438bc74343aec1d0af577ae4b8.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/3a233595370d4c618e087517787d45f1.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d45cf9368af6481cbbbddd8d57fab58e.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/38147bcb741c40aeb48fd3455873ef76.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/683bf73e72cf49b0829036f6239e7caa.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/52b4c635de414e488499ef168bcf377c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/d804ae681b314113ab331e7ae6161176.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/90c8095627e248f58e42f146c9df1752.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/18c1c69164e54709bdaecd262098dbc4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/cea76bab08cb4aa49549d72ed42a348d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/96e5bb24f9c843bda6d08019faab5fff.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/c5b82524d3364bb889e8bf04df8762dc.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4c99d3b683764ad68df4e3d87c1120e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/6fb836f7dc784ad7aa46cb4ac70dbf2a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/63fc0151120a4a5fbd07897363d7412f.jpg"], "vin_decode": {"make": "Hyundai", "model": "Santa Fe", "year": 2026, "trim": "SEL", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "1.6L", "engine_displacement_l": 1.6, "cylinders": null, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39524.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/5NMP2DG14TH096749.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg14th096749/2026-hyundai-santa-fe-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg14th096749/2026-hyundai-santa-fe-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5NMP2DG14TH096749.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG14TH096749.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5NMP2DG14TH096749.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5nmp2dg14th096749/2026-hyundai-santa-fe-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD260263, VIN 5NMP2DG14TH096749. Advertised price: $39,937. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,937"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:10Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39937.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMP2DG14TH096749_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 996, "unit": "per_month", "display": "$996/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39937.0, "price_incl_doc": 39937.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 996.35, "amount_financed": 42433.06, "sales_tax": 2496.06, "total_of_payments": 47824.66, "finance_charge": 5391.6, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260263, VIN 5NMP2DG14TH096749. $996 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $39,937, before any dealer documentation fee. Amount financed $42,433, including $2,496 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $47,825. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP2DG14TH096749_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 830, "unit": "per_month", "display": "$830/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39937.0, "price_incl_doc": 39937.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 830.05, "amount_financed": 42433.06, "sales_tax": 2496.06, "total_of_payments": 49803.17, "finance_charge": 7370.11, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260263, VIN 5NMP2DG14TH096749. $830 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $39,937, before any dealer documentation fee. Amount financed $42,433, including $2,496 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $49,803. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMP2DG14TH096749_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 723, "unit": "per_month", "display": "$723/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39937.0, "price_incl_doc": 39937.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 723.24, "amount_financed": 42433.06, "sales_tax": 2496.06, "total_of_payments": 52073.12, "finance_charge": 9640.06, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260263, VIN 5NMP2DG14TH096749. $723 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $39,937, before any dealer documentation fee. Amount financed $42,433, including $2,496 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $52,073. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,160"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41160.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA9T0144794_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 835, "unit": "per_month", "display": "$835/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41160.0, "price_incl_doc": 41160.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 835.14, "amount_financed": 43732.5, "sales_tax": 2572.5, "total_of_payments": 50108.38, "finance_charge": 6375.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262647X, VIN JM3KMEHA9T0144794. $835 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,160, before any dealer documentation fee. Amount financed $43,732, including $2,572 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,108. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0144794_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 725, "unit": "per_month", "display": "$725/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41160.0, "price_incl_doc": 41160.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 724.57, "amount_financed": 43732.5, "sales_tax": 2572.5, "total_of_payments": 52168.85, "finance_charge": 8436.35, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262647X, VIN JM3KMEHA9T0144794. $725 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,160, before any dealer documentation fee. Amount financed $43,732, including $2,572 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,169. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0144794_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41160.0, "price_incl_doc": 41160.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 649.19, "amount_financed": 43732.5, "sales_tax": 2572.5, "total_of_payments": 54532.07, "finance_charge": 10799.57, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262647X, VIN JM3KMEHA9T0144794. $649 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,160, before any dealer documentation fee. Amount financed $43,732, including $2,572 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,532. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0144794_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41160.0, "selling_price": 41160.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 586.4, "net_cap_cost": 41755.0, "residual_value": 25519.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 586.4, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 746.4}, "total_of_payments": 21096, "total_of_payments_unrounded": 21110.4}, "disclosure": "Estimated lease payment for stock #MD262647X, VIN JM3KMEHA9T0144794. $586 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $746, made up of $586 first payment, $60 title, $100 registration. MSRP $41,160. Lease selling price $41,160. Net capitalized cost $41,755. Residual value $25,519, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,096. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA9T0144794_lease", "type": "lease", "label": "Lease", "headline": {"value": 493, "unit": "per_month", "display": "$493/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41160.0, "selling_price": 41160.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.11, "net_cap_cost": 38756.0, "residual_value": 25519.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.11, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3652.11}, "total_of_payments": 17748, "total_of_payments_unrounded": 17751.96}, "disclosure": "Estimated lease payment for stock #MD262647X, VIN JM3KMEHA9T0144794. $493 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,652, made up of $493 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,160. Lease selling price $41,160. Net capitalized cost $38,756. Residual value $25,519, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,748. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 380}}, {"vin": "JM1BPAJL6T1878095", "title": "2026 Mazda MAZDA3 Hatchback 2.5 S", "year": 2026, "make": "Mazda", "model": "MAZDA3 Hatchback", "trim": "2.5 S", "decoded_trim": "Base", "condition": "new", "price": 24746.0, "msrp": 26910.0, "sale_price": 24746.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black Cloth", "drivetrain": "FWD", "body_style": "HATCHBACK", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,164. This offer applies to Stock #MD262736, VIN JM1BPAJL6T1878095. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $26,910. Advertised price: $24,746. Savings: $2,164, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$26,910"}, {"label": "Advertised price", "value": "$24,746"}, {"label": "Savings", "value": "$2,164, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,164", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24746.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPAJL6T1878095_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 502, "unit": "per_month", "display": "$502/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24746.0, "price_incl_doc": 24746.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 502.1, "amount_financed": 26292.63, "sales_tax": 1546.63, "total_of_payments": 30125.91, "finance_charge": 3833.28, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262736, VIN JM1BPAJL6T1878095. $502 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $24,746, before any dealer documentation fee. Amount financed $26,293, including $1,547 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $30,126. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAJL6T1878095_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24746.0, "price_incl_doc": 24746.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 435.62, "amount_financed": 26292.63, "sales_tax": 1546.63, "total_of_payments": 31364.69, "finance_charge": 5072.06, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262736, VIN JM1BPAJL6T1878095. $436 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $24,746, before any dealer documentation fee. Amount financed $26,293, including $1,547 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $31,365. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAJL6T1878095_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 390, "unit": "per_month", "display": "$390/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24746.0, "price_incl_doc": 24746.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 390.3, "amount_financed": 26292.63, "sales_tax": 1546.63, "total_of_payments": 32785.49, "finance_charge": 6492.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262736, VIN JM1BPAJL6T1878095. $390 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $24,746, before any dealer documentation fee. Amount financed $26,293, including $1,547 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $32,785. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAJL6T1878095_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 322, "unit": "per_month", "display": "$322/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26910.0, "selling_price": 24746.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 322.47, "net_cap_cost": 25341.0, "residual_value": 16684.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 322.47, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 482.47}, "total_of_payments": 11592, "total_of_payments_unrounded": 11608.92}, "disclosure": "Estimated lease payment for stock #MD262736, VIN JM1BPAJL6T1878095. $322 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $482, made up of $322 first payment, $60 title, $100 registration. MSRP $26,910. Lease selling price $24,746. Net capitalized cost $25,341. Residual value $16,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,592. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPAJL6T1878095_lease", "type": "lease", "label": "Lease", "headline": {"value": 229, "unit": "per_month", "display": "$229/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26910.0, "selling_price": 24746.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 229.18, "net_cap_cost": 22342.0, "residual_value": 16684.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 229.18, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3388.18}, "total_of_payments": 8244, "total_of_payments_unrounded": 8250.48}, "disclosure": "Estimated lease payment for stock #MD262736, VIN JM1BPAJL6T1878095. $229 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,388, made up of $229 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,910. Lease selling price $24,746. Net capitalized cost $22,342. Residual value $16,684, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $8,244. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 349}}, {"vin": "KM8J3CA21HU295493", "title": "2017 Hyundai Tucson Limited", "year": 2017, "make": "Hyundai", "model": "Tucson", "trim": "Limited", "decoded_trim": "SE (Popular Equipment Pkg.), Eco, Sport, Limited, Night", "condition": "used", "price": 14281.0, "msrp": 13868.0, "sale_price": 13977.0, "currency": "USD", "mileage": 109131, "exterior_color": "Dazzling White", "interior_color": "Beige", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Regular Unleaded I-4 1.6 L/97", "engine_displacement_l": 1.6, "engine_cylinders": 4, "transmission": "7-Speed Auto-Shift Manual w/OD", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "HD261059A", 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$14,281"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 14281.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8J3CA21HU295493_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 356, "unit": "per_month", "display": "$356/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14281.0, "price_incl_doc": 14281.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 356.28, "amount_financed": 15173.56, "sales_tax": 892.56, "total_of_payments": 17101.53, "finance_charge": 1927.97, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261059A, VIN KM8J3CA21HU295493. $356 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $14,281, before any dealer documentation fee. Amount financed $15,174, including $893 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $17,102. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J3CA21HU295493_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 297, "unit": "per_month", "display": "$297/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14281.0, "price_incl_doc": 14281.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 296.82, "amount_financed": 15173.56, "sales_tax": 892.56, "total_of_payments": 17809.02, "finance_charge": 2635.46, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261059A, VIN KM8J3CA21HU295493. $297 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $14,281, before any dealer documentation fee. Amount financed $15,174, including $893 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $17,809. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J3CA21HU295493_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 259, "unit": "per_month", "display": "$259/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 14281.0, "price_incl_doc": 14281.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 258.62, "amount_financed": 15173.56, "sales_tax": 892.56, "total_of_payments": 18620.73, "finance_charge": 3447.17, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261059A, VIN KM8J3CA21HU295493. $259 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $14,281, before any dealer documentation fee. Amount financed $15,174, including $893 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,621. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KMEHA3T0179640", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 40765.0, "msrp": 40765.0, "sale_price": 40765.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA3T0179640", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA3T0179640_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 40765.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0179640/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0179640/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA3T0179640.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA3T0179640.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA3T0179640.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha3t0179640/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. Advertised price: $40,765. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$40,765"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40765.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA3T0179640_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 827, "unit": "per_month", "display": "$827/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40765.0, "price_incl_doc": 40765.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 827.13, "amount_financed": 43312.81, "sales_tax": 2547.81, "total_of_payments": 49627.51, "finance_charge": 6314.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. $827 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,765, before any dealer documentation fee. Amount financed $43,313, including $2,548 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,628. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0179640_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40765.0, "price_incl_doc": 40765.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.61, "amount_financed": 43312.81, "sales_tax": 2547.81, "total_of_payments": 51668.2, "finance_charge": 8355.39, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. $718 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,765, before any dealer documentation fee. Amount financed $43,313, including $2,548 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,668. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0179640_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 643, "unit": "per_month", "display": "$643/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40765.0, "price_incl_doc": 40765.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.96, "amount_financed": 43312.81, "sales_tax": 2547.81, "total_of_payments": 54008.74, "finance_charge": 10695.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. $643 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,765, before any dealer documentation fee. Amount financed $43,313, including $2,548 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,009. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0179640_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40765.0, "selling_price": 40765.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 580.95, "net_cap_cost": 41360.0, "residual_value": 25274.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 580.95, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 740.95}, "total_of_payments": 20916, "total_of_payments_unrounded": 20914.2}, "disclosure": "Estimated lease payment for stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. $581 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $741, made up of $581 first payment, $60 title, $100 registration. MSRP $40,765. Lease selling price $40,765. Net capitalized cost $41,360. Residual value $25,274, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,916. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA3T0179640_lease", "type": "lease", "label": "Lease", "headline": {"value": 488, "unit": "per_month", "display": "$488/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40765.0, "selling_price": 40765.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 487.66, "net_cap_cost": 38361.0, "residual_value": 25274.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 487.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3646.66}, "total_of_payments": 17568, "total_of_payments_unrounded": 17555.76}, "disclosure": "Estimated lease payment for stock #JM3KMEHA3T0179640, VIN JM3KMEHA3T0179640. $488 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,647, made up of $488 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,765. Lease selling price $40,765. Net capitalized cost $38,361. Residual value $25,274, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,568. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34703.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34703.0, "price_incl_doc": 34703.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 865.77, "amount_financed": 36871.94, "sales_tax": 2168.94, "total_of_payments": 41556.94, "finance_charge": 4685.0, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1012, VIN 3VVMR7RM0TM016160. $866 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,703, before any dealer documentation fee. Amount financed $36,872, including $2,169 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,557. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VVMR7RM0TM016160_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 721, "unit": "per_month", "display": "$721/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34703.0, "price_incl_doc": 34703.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 721.27, "amount_financed": 36871.94, "sales_tax": 2168.94, "total_of_payments": 43276.15, "finance_charge": 6404.21, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1012, VIN 3VVMR7RM0TM016160. $721 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,703, before any dealer documentation fee. Amount financed $36,872, including $2,169 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,276. Offer expires 2026-07-31. Estimated for ZIP 60515. 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"website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kndpmcac7n7963778/2022-kia-sportage-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KNDPMCAC7N7963778.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KNDPMCAC7N7963778.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KNDPMCAC7N7963778.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kndpmcac7n7963778/2022-kia-sportage-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD260529XA, VIN KNDPMCAC7N7963778. Advertised price: $17,588. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,588"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17588.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPMCAC7N7963778_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17588.0, "price_incl_doc": 17588.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 438.78, "amount_financed": 18687.25, "sales_tax": 1099.25, "total_of_payments": 21061.68, "finance_charge": 2374.43, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260529XA, VIN KNDPMCAC7N7963778. $439 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,588, before any dealer documentation fee. Amount financed $18,687, including $1,099 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,062. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPMCAC7N7963778_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 366, "unit": "per_month", "display": "$366/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17588.0, "price_incl_doc": 17588.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 365.55, "amount_financed": 18687.25, "sales_tax": 1099.25, "total_of_payments": 21933.0, "finance_charge": 3245.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260529XA, VIN KNDPMCAC7N7963778. $366 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,588, before any dealer documentation fee. Amount financed $18,687, including $1,099 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,933. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPMCAC7N7963778_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 319, "unit": "per_month", "display": "$319/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17588.0, "price_incl_doc": 17588.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 318.51, "amount_financed": 18687.25, "sales_tax": 1099.25, "total_of_payments": 22932.67, "finance_charge": 4245.42, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260529XA, VIN KNDPMCAC7N7963778. $319 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,588, before any dealer documentation fee. Amount financed $18,687, including $1,099 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,933. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. Advertised price: $26,775. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,775"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26775.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL8T1894894_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 543, "unit": "per_month", "display": "$543/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.27, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 32596.02, "finance_charge": 4147.58, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. $543 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,596. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1894894_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 471.34, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 33936.37, "finance_charge": 5487.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. $471 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,936. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1894894_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 422, "unit": "per_month", "display": "$422/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26775.0, "price_incl_doc": 26775.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 422.31, "amount_financed": 28448.44, "sales_tax": 1673.44, "total_of_payments": 35473.67, "finance_charge": 7025.23, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. $422 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,775, before any dealer documentation fee. Amount financed $28,448, including $1,673 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,474. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1894894_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 388, "unit": "per_month", "display": "$388/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26775.0, "selling_price": 26775.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 387.93, "net_cap_cost": 27370.0, "residual_value": 16600.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 387.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 547.93}, "total_of_payments": 13968, "total_of_payments_unrounded": 13965.48}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. $388 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $548, made up of $388 first payment, $60 title, $100 registration. MSRP $26,775. Lease selling price $26,775. Net capitalized cost $27,370. Residual value $16,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,968. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1894894_lease", "type": "lease", "label": "Lease", "headline": {"value": 295, "unit": "per_month", "display": "$295/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26775.0, "selling_price": 26775.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 294.64, "net_cap_cost": 24371.0, "residual_value": 16600.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 294.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3453.64}, "total_of_payments": 10620, "total_of_payments_unrounded": 10607.04}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1894894, VIN JM1BPABL8T1894894. $295 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,454, made up of $295 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,775. Lease selling price $26,775. Net capitalized cost $24,371. Residual value $16,600, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,620. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 383}}, {"vin": "JM3KKCHD4T1412357", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 50830.0, "msrp": 50830.0, "sale_price": 50830.0, "currency": "USD", "mileage": null, "exterior_color": "Artisan Red Premium", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKCHD4T1412357", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD4T1412357_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50830.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1412357/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1412357/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHD4T1412357.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD4T1412357.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD4T1412357.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd4t1412357/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKCHD4T1412357, VIN JM3KKCHD4T1412357. Advertised price: $50,830. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$50,830"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50830.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD4T1412357_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 921, "unit": "per_month", "display": "$921/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50830.0, "price_incl_doc": 50830.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 920.86, "amount_financed": 54006.88, "sales_tax": 3176.88, "total_of_payments": 55251.39, "finance_charge": 1244.51, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD4T1412357, VIN JM3KKCHD4T1412357. $921 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $50,830, before any dealer documentation fee. Amount financed $54,007, including $3,177 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $55,251. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1412357_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 802, "unit": "per_month", "display": "$802/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50830.0, "price_incl_doc": 50830.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 801.71, "amount_financed": 54006.88, "sales_tax": 3176.88, "total_of_payments": 67343.66, "finance_charge": 13336.78, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD4T1412357, VIN JM3KKCHD4T1412357. $802 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,830, before any dealer documentation fee. Amount financed $54,007, including $3,177 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $67,344. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1412357_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 720, "unit": "per_month", "display": "$720/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50830.0, "selling_price": 50830.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 719.82, "net_cap_cost": 51425.0, "residual_value": 31514.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 719.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 879.82}, "total_of_payments": 25920, "total_of_payments_unrounded": 25913.52}, "disclosure": "Estimated lease payment for stock #JM3KKCHD4T1412357, VIN JM3KKCHD4T1412357. $720 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $880, made up of $720 first payment, $60 title, $100 registration. MSRP $50,830. Lease selling price $50,830. Net capitalized cost $51,425. Residual value $31,515, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,920. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD4T1412357_lease", "type": "lease", "label": "Lease", "headline": {"value": 627, "unit": "per_month", "display": "$627/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50830.0, "selling_price": 50830.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 626.53, "net_cap_cost": 48426.0, "residual_value": 31514.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 626.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3785.53}, "total_of_payments": 22572, "total_of_payments_unrounded": 22555.08}, "disclosure": "Estimated lease payment for stock #JM3KKCHD4T1412357, VIN JM3KKCHD4T1412357. $627 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,786, made up of $627 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,830. Lease selling price $50,830. Net capitalized cost $48,426. Residual value $31,515, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,572. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 376}}, {"vin": "JM3KMCHA2T0208369", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37090.0, "msrp": 37090.0, "sale_price": 37090.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA2T0208369", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA2T0208369_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37090.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208369/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208369/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA2T0208369.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0208369.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA2T0208369.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha2t0208369/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. Advertised price: $37,090. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,090"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37090.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA2T0208369_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 753, "unit": "per_month", "display": "$753/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37090.0, "price_incl_doc": 37090.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 752.56, "amount_financed": 39408.13, "sales_tax": 2318.13, "total_of_payments": 45153.55, "finance_charge": 5745.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. $753 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,090, before any dealer documentation fee. Amount financed $39,408, including $2,318 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,154. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208369_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 653, "unit": "per_month", "display": "$653/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37090.0, "price_incl_doc": 37090.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 652.92, "amount_financed": 39408.13, "sales_tax": 2318.13, "total_of_payments": 47010.28, "finance_charge": 7602.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. $653 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,090, before any dealer documentation fee. Amount financed $39,408, including $2,318 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,010. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208369_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 585, "unit": "per_month", "display": "$585/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37090.0, "price_incl_doc": 37090.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.0, "amount_financed": 39408.13, "sales_tax": 2318.13, "total_of_payments": 49139.81, "finance_charge": 9731.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. $585 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,090, before any dealer documentation fee. Amount financed $39,408, including $2,318 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,140. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208369_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37090.0, "selling_price": 37090.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 530.25, "net_cap_cost": 37685.0, "residual_value": 22995.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 530.25, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 690.25}, "total_of_payments": 19080, "total_of_payments_unrounded": 19089.0}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. $530 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $690, made up of $530 first payment, $60 title, $100 registration. MSRP $37,090. Lease selling price $37,090. Net capitalized cost $37,685. Residual value $22,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,080. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA2T0208369_lease", "type": "lease", "label": "Lease", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37090.0, "selling_price": 37090.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.95, "net_cap_cost": 34686.0, "residual_value": 22995.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3595.95}, "total_of_payments": 15732, "total_of_payments_unrounded": 15730.2}, "disclosure": "Estimated lease payment for stock #JM3KMCHA2T0208369, VIN JM3KMCHA2T0208369. $437 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,596, made up of $437 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,090. Lease selling price $37,090. Net capitalized cost $34,686. Residual value $22,996, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,732. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 343}}, {"vin": "JM3KMBHA4T0122104", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 32945.0, "msrp": 33810.0, "sale_price": 32945.0, "currency": "USD", "mileage": 7, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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"source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0122104/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0122104/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA4T0122104.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0122104.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0122104.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0122104/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $865. This offer applies to Stock #MD262747, VIN JM3KMBHA4T0122104. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $33,810. Advertised price: $32,945. Savings: $865, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$33,810"}, {"label": "Advertised price", "value": "$32,945"}, {"label": "Savings", "value": "$865, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $865", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32945.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA4T0122104_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 668, "unit": "per_month", "display": "$668/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32945.0, "price_incl_doc": 32945.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 668.46, "amount_financed": 35004.06, "sales_tax": 2059.06, "total_of_payments": 40107.4, "finance_charge": 5103.34, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262747, VIN JM3KMBHA4T0122104. $668 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,945, before any dealer documentation fee. Amount financed $35,004, including $2,059 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,107. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0122104_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 580, "unit": "per_month", "display": "$580/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32945.0, "price_incl_doc": 32945.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.95, "amount_financed": 35004.06, "sales_tax": 2059.06, "total_of_payments": 41756.63, "finance_charge": 6752.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262747, VIN JM3KMBHA4T0122104. $580 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,945, before any dealer documentation fee. Amount financed $35,004, including $2,059 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,757. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0122104_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32945.0, "price_incl_doc": 32945.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 519.62, "amount_financed": 35004.06, "sales_tax": 2059.06, "total_of_payments": 43648.17, "finance_charge": 8644.11, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262747, VIN JM3KMBHA4T0122104. $520 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,945, before any dealer documentation fee. Amount financed $35,004, including $2,059 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,648. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0122104_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33810.0, "selling_price": 32945.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 458.08, "net_cap_cost": 33540.0, "residual_value": 20962.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 458.08, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 618.08}, "total_of_payments": 16488, "total_of_payments_unrounded": 16490.88}, "disclosure": "Estimated lease payment for stock #MD262747, VIN JM3KMBHA4T0122104. $458 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $618, made up of $458 first payment, $60 title, $100 registration. MSRP $33,810. Lease selling price $32,945. Net capitalized cost $33,540. Residual value $20,962, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,488. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0122104_lease", "type": "lease", "label": "Lease", "headline": {"value": 365, "unit": "per_month", "display": "$365/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33810.0, "selling_price": 32945.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 364.79, "net_cap_cost": 30541.0, "residual_value": 20962.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 364.79, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3523.79}, "total_of_payments": 13140, "total_of_payments_unrounded": 13132.44}, "disclosure": "Estimated lease payment for stock #MD262747, VIN JM3KMBHA4T0122104. $365 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,524, made up of $365 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,810. Lease selling price $32,945. Net capitalized cost $30,541. Residual value $20,962, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,140. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "JM1BPACLXT1892224", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 29050.0, "msrp": 29050.0, "sale_price": 29050.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPACLXT1892224", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACLXT1892224_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29050.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1892224/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1892224/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACLXT1892224.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACLXT1892224.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACLXT1892224.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1892224/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. Advertised price: $29,050. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,050"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29050.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACLXT1892224_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 589, "unit": "per_month", "display": "$589/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 589.43, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 35365.62, "finance_charge": 4499.99, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. $589 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,366. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1892224_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 511, "unit": "per_month", "display": "$511/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 511.39, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 36819.86, "finance_charge": 5954.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. $511 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1892224_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 458, "unit": "per_month", "display": "$458/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29050.0, "price_incl_doc": 29050.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 458.19, "amount_financed": 30865.63, "sales_tax": 1815.63, "total_of_payments": 38487.77, "finance_charge": 7622.14, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. $458 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,050, before any dealer documentation fee. Amount financed $30,866, including $1,816 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,488. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1892224_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29050.0, "selling_price": 29050.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 419.32, "net_cap_cost": 29645.0, "residual_value": 18011.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 419.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 579.32}, "total_of_payments": 15084, "total_of_payments_unrounded": 15095.52}, "disclosure": "Estimated lease payment for stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. $419 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $579, made up of $419 first payment, $60 title, $100 registration. MSRP $29,050. Lease selling price $29,050. Net capitalized cost $29,645. Residual value $18,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,084. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1892224_lease", "type": "lease", "label": "Lease", "headline": {"value": 326, "unit": "per_month", "display": "$326/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29050.0, "selling_price": 29050.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 326.02, "net_cap_cost": 26646.0, "residual_value": 18011.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 326.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3485.02}, "total_of_payments": 11736, "total_of_payments_unrounded": 11736.72}, "disclosure": "Estimated lease payment for stock #JM1BPACLXT1892224, VIN JM1BPACLXT1892224. $326 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,485, made up of $326 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,050. Lease selling price $29,050. Net capitalized cost $26,646. Residual value $18,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,736. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,080"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39080.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1NDAD74T0702222_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 782, "unit": "per_month", "display": "$782/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39080.0, "price_incl_doc": 39080.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 4.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda MX-5 MIATA \u2014 4.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 781.68, "amount_financed": 41522.5, "sales_tax": 2442.5, "total_of_payments": 46900.79, "finance_charge": 5378.29, "per_1000_financed": 18.83, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262664, VIN JM1NDAD74T0702222. $782 per month for 60 months at 4.9% APR, $0 cash down. Advertised price $39,080, before any dealer documentation fee. Amount financed $41,522, including $2,442 estimated sales tax at 6.25%. That is $18.83 per $1,000 financed. Total of payments $46,901. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAD74T0702222_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39080.0, "price_incl_doc": 39080.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 616.38, "amount_financed": 41522.5, "sales_tax": 2442.5, "total_of_payments": 51776.32, "finance_charge": 10253.82, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262664, VIN JM1NDAD74T0702222. $616 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,080, before any dealer documentation fee. Amount financed $41,522, including $2,442 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,776. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39080.0, "selling_price": 39080.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 557.7, "net_cap_cost": 39675.0, "residual_value": 24229.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 557.7, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 717.7}, "total_of_payments": 20088, "total_of_payments_unrounded": 20077.2}, "disclosure": "Estimated lease payment for stock #MD262664, VIN JM1NDAD74T0702222. $558 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $718, made up of $558 first payment, $60 title, $100 registration. MSRP $39,080. Lease selling price $39,080. Net capitalized cost $39,675. Residual value $24,230, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,088. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1NDAD74T0702222_lease", "type": "lease", "label": "Lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39080.0, "selling_price": 39080.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.41, "net_cap_cost": 36676.0, "residual_value": 24229.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.41, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3623.41}, "total_of_payments": 16704, "total_of_payments_unrounded": 16718.76}, "disclosure": "Estimated lease payment for stock #MD262664, VIN JM1NDAD74T0702222. $464 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,623, made up of $464 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,080. 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"offers": [], "price_history": [], "window_sticker": {"msrp": 36545.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw3tn177627/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw3tn177627/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW3TN177627.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW3TN177627.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW3TN177627.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw3tn177627/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD2627393XX, VIN 7MMVAABW3TN177627. Advertised price: $36,545. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,545"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36545.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW3TN177627_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36545.0, "price_incl_doc": 36545.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 741.5, "amount_financed": 38829.06, "sales_tax": 2284.06, "total_of_payments": 44490.06, "finance_charge": 5661.0, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD2627393XX, VIN 7MMVAABW3TN177627. $742 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,545, before any dealer documentation fee. Amount financed $38,829, including $2,284 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,490. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW3TN177627_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 643, "unit": "per_month", "display": "$643/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36545.0, "price_incl_doc": 36545.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 643.33, "amount_financed": 38829.06, "sales_tax": 2284.06, "total_of_payments": 46319.5, "finance_charge": 7490.44, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD2627393XX, VIN 7MMVAABW3TN177627. $643 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,545, before any dealer documentation fee. Amount financed $38,829, including $2,284 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,320. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW3TN177627_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36545.0, "price_incl_doc": 36545.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.4, "amount_financed": 38829.06, "sales_tax": 2284.06, "total_of_payments": 48417.74, "finance_charge": 9588.68, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD2627393XX, VIN 7MMVAABW3TN177627. $576 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,545, before any dealer documentation fee. Amount financed $38,829, including $2,284 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,418. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW3TN177627_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36545.0, "selling_price": 36545.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.73, "net_cap_cost": 37140.0, "residual_value": 22657.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.73, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.73}, "total_of_payments": 18828, "total_of_payments_unrounded": 18818.28}, "disclosure": "Estimated lease payment for stock #MD2627393XX, VIN 7MMVAABW3TN177627. $523 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $683, made up of $523 first payment, $60 title, $100 registration. MSRP $36,545. Lease selling price $36,545. Net capitalized cost $37,140. Residual value $22,658, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW3TN177627_lease", "type": "lease", "label": "Lease", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36545.0, "selling_price": 36545.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 429.43, "net_cap_cost": 34141.0, "residual_value": 22657.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3588.43}, "total_of_payments": 15444, "total_of_payments_unrounded": 15459.48}, "disclosure": "Estimated lease payment for stock #MD2627393XX, VIN 7MMVAABW3TN177627. $429 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,588, made up of $429 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,545. Lease selling price $36,545. Net capitalized cost $34,141. Residual value $22,658, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,444. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0130783/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA5T0130783.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0130783.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0130783.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0130783/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,076. This offer applies to Stock #MD262770X, VIN JM3KMCHA5T0130783. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,115. Advertised price: $36,039. Savings: $1,076, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,115"}, {"label": "Advertised price", "value": "$36,039"}, {"label": "Savings", "value": "$1,076, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,076", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36039.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0130783_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 731, "unit": "per_month", "display": "$731/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36039.0, "price_incl_doc": 36039.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 731.23, "amount_financed": 38291.44, "sales_tax": 2252.44, "total_of_payments": 43874.06, "finance_charge": 5582.62, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262770X, VIN JM3KMCHA5T0130783. $731 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,039, before any dealer documentation fee. Amount financed $38,291, including $2,252 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,874. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0130783_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 634, "unit": "per_month", "display": "$634/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36039.0, "price_incl_doc": 36039.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.42, "amount_financed": 38291.44, "sales_tax": 2252.44, "total_of_payments": 45678.17, "finance_charge": 7386.73, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262770X, VIN JM3KMCHA5T0130783. $634 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,039, before any dealer documentation fee. Amount financed $38,291, including $2,252 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,678. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0130783_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 568, "unit": "per_month", "display": "$568/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36039.0, "price_incl_doc": 36039.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 568.42, "amount_financed": 38291.44, "sales_tax": 2252.44, "total_of_payments": 47747.36, "finance_charge": 9455.92, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262770X, VIN JM3KMCHA5T0130783. $568 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,039, before any dealer documentation fee. Amount financed $38,291, including $2,252 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,747. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0130783_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 497, "unit": "per_month", "display": "$497/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37115.0, "selling_price": 36039.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 497.12, "net_cap_cost": 36634.0, "residual_value": 23011.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 497.12, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 657.12}, "total_of_payments": 17892, "total_of_payments_unrounded": 17896.32}, "disclosure": "Estimated lease payment for stock #MD262770X, VIN JM3KMCHA5T0130783. $497 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $657, made up of $497 first payment, $60 title, $100 registration. MSRP $37,115. Lease selling price $36,039. Net capitalized cost $36,634. Residual value $23,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,892. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0130783_lease", "type": "lease", "label": "Lease", "headline": {"value": 404, "unit": "per_month", "display": "$404/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37115.0, "selling_price": 36039.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 403.83, "net_cap_cost": 33635.0, "residual_value": 23011.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 403.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3562.83}, "total_of_payments": 14544, "total_of_payments_unrounded": 14537.88}, "disclosure": "Estimated lease payment for stock #MD262770X, VIN JM3KMCHA5T0130783. $404 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,563, made up of $404 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,115. Lease selling price $36,039. Net capitalized cost $33,635. Residual value $23,011, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,544. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "JM3KJDHD2T1209525", "title": "2026 Mazda CX-70 3.3 Turbo Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-70", "trim": "3.3 Turbo Premium AWD", "decoded_trim": "Premium, S-Premium", "condition": "new", "price": 44956.0, "msrp": 49270.0, "sale_price": 44956.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "Griege Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262837", "stock_status": "Available", "availability": "In 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"price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,314. This offer applies to Stock #MD262837, VIN JM3KJDHD2T1209525. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,270. Advertised price: $44,956. Savings: $4,314, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,270"}, {"label": "Advertised price", "value": "$44,956"}, {"label": "Savings", "value": "$4,314, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,314", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 44956.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJDHD2T1209525_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 814, "unit": "per_month", "display": "$814/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44956.0, "price_incl_doc": 44956.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 814.44, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 48866.45, "finance_charge": 1100.7, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262837, VIN JM3KJDHD2T1209525. $814 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $44,956, before any dealer documentation fee. Amount financed $47,766, including $2,810 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $48,866. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD2T1209525_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 44956.0, "price_incl_doc": 44956.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.06, "amount_financed": 47765.75, "sales_tax": 2809.75, "total_of_payments": 59561.31, "finance_charge": 11795.56, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262837, VIN JM3KJDHD2T1209525. $709 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $44,956, before any dealer documentation fee. Amount financed $47,766, including $2,810 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $59,561. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD2T1209525_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 564, "unit": "per_month", "display": "$564/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49270.0, "selling_price": 44956.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 564.1, "net_cap_cost": 45551.0, "residual_value": 30547.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 564.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 724.1}, "total_of_payments": 20304, "total_of_payments_unrounded": 20307.6}, "disclosure": "Estimated lease payment for stock #MD262837, VIN JM3KJDHD2T1209525. $564 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $724, made up of $564 first payment, $60 title, $100 registration. MSRP $49,270. Lease selling price $44,956. Net capitalized cost $45,551. Residual value $30,547, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,304. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD2T1209525_lease", "type": "lease", "label": "Lease", "headline": {"value": 471, "unit": "per_month", "display": "$471/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49270.0, "selling_price": 44956.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 470.8, "net_cap_cost": 42552.0, "residual_value": 30547.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 470.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3629.8}, "total_of_payments": 16956, "total_of_payments_unrounded": 16948.8}, "disclosure": "Estimated lease payment for stock #MD262837, VIN JM3KJDHD2T1209525. $471 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,630, made up of $471 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,270. Lease selling price $44,956. Net capitalized cost $42,552. Residual value $30,547, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,956. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43455.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW8TN185301_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 882, "unit": "per_month", "display": "$882/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.71, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 52902.33, "finance_charge": 6731.39, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW8TN185301, VIN 7MMVAAEW8TN185301. $882 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,902. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW8TN185301_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 765, "unit": "per_month", "display": "$765/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.97, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 55077.69, "finance_charge": 8906.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW8TN185301, VIN 7MMVAAEW8TN185301. $765 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,078. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.39, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 57572.67, "finance_charge": 11401.73, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW8TN185301, VIN 7MMVAAEW8TN185301. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,573. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW8TN185301_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43455.0, "selling_price": 43455.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 618.06, "net_cap_cost": 44050.0, "residual_value": 26942.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 618.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 778.06}, "total_of_payments": 22248, "total_of_payments_unrounded": 22250.16}, "disclosure": "Estimated lease payment for stock #7MMVAAEW8TN185301, VIN 7MMVAAEW8TN185301. $618 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $778, made up of $618 first payment, $60 title, $100 registration. MSRP $43,455. Lease selling price $43,455. Net capitalized cost $44,050. Residual value $26,942, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,248. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW8TN185301_lease", "type": "lease", "label": "Lease", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43455.0, "selling_price": 43455.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 524.77, "net_cap_cost": 41051.0, "residual_value": 26942.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3683.77}, "total_of_payments": 18900, "total_of_payments_unrounded": 18891.72}, "disclosure": "Estimated lease payment for stock #7MMVAAEW8TN185301, VIN 7MMVAAEW8TN185301. $525 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,684, made up of $525 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,455. Lease selling price $43,455. Net capitalized cost $41,051. Residual value $26,942, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 358}}, {"vin": "KM8RJES24TU038341", "title": "2026 Hyundai Palisade XRT Pro", "year": 2026, "make": "Hyundai", "model": "Palisade", "trim": "XRT Pro", "decoded_trim": "XRT Pro", "condition": "used", "price": 46965.0, "msrp": 46552.0, "sale_price": 47068.0, "currency": "USD", "mileage": 11, "exterior_color": "Titan Charcoal Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded V-6 3.5 L/212", "engine_displacement_l": 3.5, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 18, "mpg_hwy": 24, "range_miles": null, "battery_kwh": null, "stock_number": "HD260105", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 19, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/084a04afa9fd4cbda04255581a09cad7.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/084a04afa9fd4cbda04255581a09cad7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f2e2acf57bf94bb4a88155c0d5acad20.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/17d8a2e73bc4422c8453cf0b9224a778.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/40ba5cc6038846098762bd5ff93894c5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/b24cc19385874a1a8a803225b456358d.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4ac34efc0f63457f933cd82ccced0a85.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/065caa394d5d48c08516b1bc5c768387.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/33eef941493e4056903c76a1e0db658a.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/bfbf466b4c9b4c72b413240edd7524e7.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/f0c52dd8eb79467db96de3bf9bdea370.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/4e0b0a5ec05a47e28a63904aa772e800.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/db0cb92c39944e3c86b6091abdfcbbd3.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/ffedd893d5f4494195665b3e8f43fb16.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/af2834f6d4fe4a32bb86e3ca5b3125b5.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/884d8516322f48069025265714f6296c.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/32fb751f71774f868b349ccb76c53a15.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/2290cbc20fd7479b996862e1b1cf57e4.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/380fa813d4374422af6c16866ffee275.jpg", "https://content.homenetiol.com/2000157/2065512/0x0/438921b515de4141afa2ed6919822222.jpg"], "vin_decode": {"make": "Hyundai", "model": "Palisade", "year": 2026, "trim": "XRT Pro", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.5L 6-Cylinder", "engine_displacement_l": 3.5, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 46552.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KM8RJES24TU038341.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8rjes24tu038341/2026-hyundai-palisade-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8rjes24tu038341/2026-hyundai-palisade-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8RJES24TU038341.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8RJES24TU038341.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8RJES24TU038341.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8rjes24tu038341/2026-hyundai-palisade-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD260105, VIN KM8RJES24TU038341. Advertised price: $46,965. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$46,965"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:11Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 46965.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8RJES24TU038341_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1172, "unit": "per_month", "display": "$1,172/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1171.68, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 56240.71, "finance_charge": 6340.4, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260105, VIN KM8RJES24TU038341. $1,172 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $56,241. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8RJES24TU038341_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 976, "unit": "per_month", "display": "$976/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 976.12, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 58567.39, "finance_charge": 8667.08, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260105, VIN KM8RJES24TU038341. $976 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $58,567. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8RJES24TU038341_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 851, "unit": "per_month", "display": "$851/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 46965.0, "price_incl_doc": 46965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 850.51, "amount_financed": 49900.31, "sales_tax": 2935.31, "total_of_payments": 61236.8, "finance_charge": 11336.49, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260105, VIN KM8RJES24TU038341. $851 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $46,965, before any dealer documentation fee. Amount financed $49,900, including $2,935 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $61,237. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0163805/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0163805/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA8T0163805.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0163805.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0163805.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0163805/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $889. This offer applies to Stock #MD262896, VIN JM3KMBHA8T0163805. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,200. Advertised price: $33,311. Savings: $889, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,200"}, {"label": "Advertised price", "value": "$33,311"}, {"label": "Savings", "value": "$889, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $889", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33311.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA8T0163805_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33311.0, "price_incl_doc": 33311.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.88, "amount_financed": 35392.94, "sales_tax": 2081.94, "total_of_payments": 40552.98, "finance_charge": 5160.04, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262896, VIN JM3KMBHA8T0163805. $676 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,311, before any dealer documentation fee. Amount financed $35,393, including $2,082 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,553. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0163805_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33311.0, "price_incl_doc": 33311.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.4, "amount_financed": 35392.94, "sales_tax": 2081.94, "total_of_payments": 42220.52, "finance_charge": 6827.58, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262896, VIN JM3KMBHA8T0163805. $586 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,311, before any dealer documentation fee. Amount financed $35,393, including $2,082 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,221. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0163805_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33311.0, "price_incl_doc": 33311.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 525.39, "amount_financed": 35392.94, "sales_tax": 2081.94, "total_of_payments": 44133.09, "finance_charge": 8740.15, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262896, VIN JM3KMBHA8T0163805. $525 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,311, before any dealer documentation fee. Amount financed $35,393, including $2,082 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,133. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0163805_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34200.0, "selling_price": 33311.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.72, "net_cap_cost": 33906.0, "residual_value": 21204.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 622.72}, "total_of_payments": 16668, "total_of_payments_unrounded": 16657.92}, "disclosure": "Estimated lease payment for stock #MD262896, VIN JM3KMBHA8T0163805. $463 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $623, made up of $463 first payment, $60 title, $100 registration. MSRP $34,200. Lease selling price $33,311. Net capitalized cost $33,906. Residual value $21,204, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,668. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0163805_lease", "type": "lease", "label": "Lease", "headline": {"value": 369, "unit": "per_month", "display": "$369/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34200.0, "selling_price": 33311.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 369.43, "net_cap_cost": 30907.0, "residual_value": 21204.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 369.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3528.43}, "total_of_payments": 13284, "total_of_payments_unrounded": 13299.48}, "disclosure": "Estimated lease payment for stock #MD262896, VIN JM3KMBHA8T0163805. $369 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,528, made up of $369 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,200. Lease selling price $33,311. Net capitalized cost $30,907. Residual value $21,204, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,284. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 393}}, {"vin": "JM3KKCHD6T1409802", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 49325.0, "msrp": 49325.0, "sale_price": 49325.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKCHD6T1409802", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD6T1409802_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 49325.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd6t1409802/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd6t1409802/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHD6T1409802.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD6T1409802.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD6T1409802.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd6t1409802/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKCHD6T1409802, VIN JM3KKCHD6T1409802. Advertised price: $49,325. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$49,325"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 49325.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD6T1409802_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 894, "unit": "per_month", "display": "$894/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49325.0, "price_incl_doc": 49325.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 893.59, "amount_financed": 52407.81, "sales_tax": 3082.81, "total_of_payments": 53615.48, "finance_charge": 1207.67, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD6T1409802, VIN JM3KKCHD6T1409802. $894 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $49,325, before any dealer documentation fee. Amount financed $52,408, including $3,083 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $53,615. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD6T1409802_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 778, "unit": "per_month", "display": "$778/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 49325.0, "price_incl_doc": 49325.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 777.97, "amount_financed": 52407.81, "sales_tax": 3082.81, "total_of_payments": 65349.71, "finance_charge": 12941.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD6T1409802, VIN JM3KKCHD6T1409802. $778 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $49,325, before any dealer documentation fee. Amount financed $52,408, including $3,083 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $65,350. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD6T1409802_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 699, "unit": "per_month", "display": "$699/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49325.0, "selling_price": 49325.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 699.05, "net_cap_cost": 49920.0, "residual_value": 30581.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 699.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 859.05}, "total_of_payments": 25164, "total_of_payments_unrounded": 25165.8}, "disclosure": "Estimated lease payment for stock #JM3KKCHD6T1409802, VIN JM3KKCHD6T1409802. $699 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $859, made up of $699 first payment, $60 title, $100 registration. MSRP $49,325. Lease selling price $49,325. Net capitalized cost $49,920. Residual value $30,582, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,164. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD6T1409802_lease", "type": "lease", "label": "Lease", "headline": {"value": 606, "unit": "per_month", "display": "$606/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49325.0, "selling_price": 49325.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 605.76, "net_cap_cost": 46921.0, "residual_value": 30581.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 605.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3764.76}, "total_of_payments": 21816, "total_of_payments_unrounded": 21807.36}, "disclosure": "Estimated lease payment for stock #JM3KKCHD6T1409802, VIN JM3KKCHD6T1409802. $606 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,765, made up of $606 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,325. Lease selling price $49,325. Net capitalized cost $46,921. Residual value $30,582, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,816. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 379}}, {"vin": "JM3KMCHA5T0208544", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36470.0, "msrp": 36470.0, "sale_price": 36470.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA5T0208544", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0208544_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36470.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0208544/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0208544/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA5T0208544.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0208544.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0208544.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0208544/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. Advertised price: $36,470. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,470"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36470.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0208544_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 740, "unit": "per_month", "display": "$740/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36470.0, "price_incl_doc": 36470.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 739.98, "amount_financed": 38749.38, "sales_tax": 2279.38, "total_of_payments": 44398.76, "finance_charge": 5649.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. $740 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,470, before any dealer documentation fee. Amount financed $38,749, including $2,279 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,399. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0208544_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 642, "unit": "per_month", "display": "$642/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36470.0, "price_incl_doc": 36470.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 642.01, "amount_financed": 38749.38, "sales_tax": 2279.38, "total_of_payments": 46224.45, "finance_charge": 7475.07, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. $642 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,470, before any dealer documentation fee. Amount financed $38,749, including $2,279 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,224. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0208544_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 575, "unit": "per_month", "display": "$575/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36470.0, "price_incl_doc": 36470.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.22, "amount_financed": 38749.38, "sales_tax": 2279.38, "total_of_payments": 48318.39, "finance_charge": 9569.01, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. $575 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,470, before any dealer documentation fee. Amount financed $38,749, including $2,279 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,318. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0208544_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36470.0, "selling_price": 36470.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 521.69, "net_cap_cost": 37065.0, "residual_value": 22611.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 681.69}, "total_of_payments": 18792, "total_of_payments_unrounded": 18780.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. $522 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $682, made up of $522 first payment, $60 title, $100 registration. MSRP $36,470. Lease selling price $36,470. Net capitalized cost $37,065. Residual value $22,611, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,792. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0208544_lease", "type": "lease", "label": "Lease", "headline": {"value": 428, "unit": "per_month", "display": "$428/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36470.0, "selling_price": 36470.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 428.4, "net_cap_cost": 34066.0, "residual_value": 22611.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 428.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3587.4}, "total_of_payments": 15408, "total_of_payments_unrounded": 15422.4}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0208544, VIN JM3KMCHA5T0208544. $428 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,587, made up of $428 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,470. Lease selling price $36,470. Net capitalized cost $34,066. Residual value $22,611, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,408. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 392}}, {"vin": "JM3KKEHD6T1375520", "title": "2026 Mazda CX-90 3.3 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 48547.0, "msrp": 52995.0, "sale_price": 48547.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehd6t1375520/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHD6T1375520.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHD6T1375520.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHD6T1375520.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehd6t1375520/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,448. This offer applies to Stock #MD262519, VIN JM3KKEHD6T1375520. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $52,995. Advertised price: $48,547. Savings: $4,448, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$52,995"}, {"label": "Advertised price", "value": "$48,547"}, {"label": "Savings", "value": "$4,448, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,448", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48547.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHD6T1375520_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 880, "unit": "per_month", "display": "$880/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48547.0, "price_incl_doc": 48547.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 879.5, "amount_financed": 51581.19, "sales_tax": 3034.19, "total_of_payments": 52769.81, "finance_charge": 1188.62, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262519, VIN JM3KKEHD6T1375520. $880 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $48,547, before any dealer documentation fee. Amount financed $51,581, including $3,034 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $52,770. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD6T1375520_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 766, "unit": "per_month", "display": "$766/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48547.0, "price_incl_doc": 48547.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 765.7, "amount_financed": 51581.19, "sales_tax": 3034.19, "total_of_payments": 64318.96, "finance_charge": 12737.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262519, VIN JM3KKEHD6T1375520. $766 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,547, before any dealer documentation fee. Amount financed $51,581, including $3,034 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,319. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD6T1375520_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52995.0, "selling_price": 48547.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 611.32, "net_cap_cost": 49142.0, "residual_value": 32856.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 611.32, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 771.32}, "total_of_payments": 21996, "total_of_payments_unrounded": 22007.52}, "disclosure": "Estimated lease payment for stock #MD262519, VIN JM3KKEHD6T1375520. $611 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $771, made up of $611 first payment, $60 title, $100 registration. MSRP $52,995. Lease selling price $48,547. Net capitalized cost $49,142. Residual value $32,857, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,996. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD6T1375520_lease", "type": "lease", "label": "Lease", "headline": {"value": 518, "unit": "per_month", "display": "$518/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 52995.0, "selling_price": 48547.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 518.03, "net_cap_cost": 46143.0, "residual_value": 32856.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 518.03, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3677.03}, "total_of_payments": 18648, "total_of_payments_unrounded": 18649.08}, "disclosure": "Estimated lease payment for stock #MD262519, VIN JM3KKEHD6T1375520. $518 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,677, made up of $518 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $52,995. Lease selling price $48,547. Net capitalized cost $46,143. Residual value $32,857, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,648. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 395}}, {"vin": "7MMVAAEW4TN184369", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42785.0, "msrp": 42785.0, "sale_price": 42785.0, "currency": "USD", "mileage": null, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAAEW4TN184369", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW4TN184369_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42785.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew4tn184369/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew4tn184369/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW4TN184369.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW4TN184369.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW4TN184369.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew4tn184369/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. Advertised price: $42,785. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,785"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42785.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW4TN184369_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 868, "unit": "per_month", "display": "$868/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42785.0, "price_incl_doc": 42785.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 868.11, "amount_financed": 45459.06, "sales_tax": 2674.06, "total_of_payments": 52086.66, "finance_charge": 6627.6, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. $868 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,785, before any dealer documentation fee. Amount financed $45,459, including $2,674 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,087. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW4TN184369_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 753, "unit": "per_month", "display": "$753/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42785.0, "price_incl_doc": 42785.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.17, "amount_financed": 45459.06, "sales_tax": 2674.06, "total_of_payments": 54228.48, "finance_charge": 8769.42, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. $753 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,785, before any dealer documentation fee. Amount financed $45,459, including $2,674 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,228. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW4TN184369_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 675, "unit": "per_month", "display": "$675/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42785.0, "price_incl_doc": 42785.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 674.82, "amount_financed": 45459.06, "sales_tax": 2674.06, "total_of_payments": 56684.99, "finance_charge": 11225.93, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. $675 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,785, before any dealer documentation fee. Amount financed $45,459, including $2,674 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,685. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW4TN184369_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42785.0, "selling_price": 42785.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 608.82, "net_cap_cost": 43380.0, "residual_value": 26526.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 608.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 768.82}, "total_of_payments": 21924, "total_of_payments_unrounded": 21917.52}, "disclosure": "Estimated lease payment for stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. $609 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $769, made up of $609 first payment, $60 title, $100 registration. MSRP $42,785. Lease selling price $42,785. Net capitalized cost $43,380. Residual value $26,527, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,924. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW4TN184369_lease", "type": "lease", "label": "Lease", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42785.0, "selling_price": 42785.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 515.53, "net_cap_cost": 40381.0, "residual_value": 26526.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 515.53, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3674.53}, "total_of_payments": 18576, "total_of_payments_unrounded": 18559.08}, "disclosure": "Estimated lease payment for stock #7MMVAAEW4TN184369, VIN 7MMVAAEW4TN184369. $516 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,675, made up of $516 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,785. Lease selling price $42,785. Net capitalized cost $40,381. Residual value $26,527, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,576. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 393}}, {"vin": "JM3KMCHA9T0160661", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 35839.0, "msrp": 36865.0, "sale_price": 35839.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36865.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0160661/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0160661/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA9T0160661.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0160661.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0160661.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0160661/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,026. This offer applies to Stock #MD262862, VIN JM3KMCHA9T0160661. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,865. Advertised price: $35,839. Savings: $1,026, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$36,865"}, {"label": "Advertised price", "value": "$35,839"}, {"label": "Savings", "value": "$1,026, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,026", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35839.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA9T0160661_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 727, "unit": "per_month", "display": "$727/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35839.0, "price_incl_doc": 35839.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.18, "amount_financed": 38078.94, "sales_tax": 2239.94, "total_of_payments": 43630.58, "finance_charge": 5551.64, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262862, VIN JM3KMCHA9T0160661. $727 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,839, before any dealer documentation fee. Amount financed $38,079, including $2,240 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,631. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0160661_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 631, "unit": "per_month", "display": "$631/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35839.0, "price_incl_doc": 35839.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.9, "amount_financed": 38078.94, "sales_tax": 2239.94, "total_of_payments": 45424.68, "finance_charge": 7345.74, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262862, VIN JM3KMCHA9T0160661. $631 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,839, before any dealer documentation fee. Amount financed $38,079, including $2,240 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,425. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0160661_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35839.0, "price_incl_doc": 35839.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.27, "amount_financed": 38078.94, "sales_tax": 2239.94, "total_of_payments": 47482.38, "finance_charge": 9403.44, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262862, VIN JM3KMCHA9T0160661. $565 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,839, before any dealer documentation fee. Amount financed $38,079, including $2,240 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,482. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0160661_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36865.0, "selling_price": 35839.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.22, "net_cap_cost": 36434.0, "residual_value": 22856.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.22, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.22}, "total_of_payments": 17820, "total_of_payments_unrounded": 17827.92}, "disclosure": "Estimated lease payment for stock #MD262862, VIN JM3KMCHA9T0160661. $495 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $655, made up of $495 first payment, $60 title, $100 registration. MSRP $36,865. Lease selling price $35,839. Net capitalized cost $36,434. Residual value $22,856, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0160661_lease", "type": "lease", "label": "Lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36865.0, "selling_price": 35839.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.93, "net_cap_cost": 33435.0, "residual_value": 22856.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.93, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3560.93}, "total_of_payments": 14472, "total_of_payments_unrounded": 14469.48}, "disclosure": "Estimated lease payment for stock #MD262862, VIN JM3KMCHA9T0160661. $402 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,561, made up of $402 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,865. Lease selling price $35,839. Net capitalized cost $33,435. Residual value $22,856, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 392}}, {"vin": "JM1BPABL0T1894453", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 28195.0, "msrp": 28195.0, "sale_price": 28195.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL0T1894453", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL0T1894453_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28195.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1894453/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1894453/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL0T1894453.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL0T1894453.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL0T1894453.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl0t1894453/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. Advertised price: $28,195. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,195"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28195.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL0T1894453_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 572, "unit": "per_month", "display": "$572/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28195.0, "price_incl_doc": 28195.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.08, "amount_financed": 29957.19, "sales_tax": 1762.19, "total_of_payments": 34324.73, "finance_charge": 4367.54, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. $572 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,195, before any dealer documentation fee. Amount financed $29,957, including $1,762 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $34,325. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1894453_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28195.0, "price_incl_doc": 28195.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.34, "amount_financed": 29957.19, "sales_tax": 1762.19, "total_of_payments": 35736.17, "finance_charge": 5778.98, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. $496 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,195, before any dealer documentation fee. Amount financed $29,957, including $1,762 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $35,736. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1894453_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 445, "unit": "per_month", "display": "$445/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28195.0, "price_incl_doc": 28195.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 444.7, "amount_financed": 29957.19, "sales_tax": 1762.19, "total_of_payments": 37355.0, "finance_charge": 7397.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. $445 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,195, before any dealer documentation fee. Amount financed $29,957, including $1,762 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $37,355. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1894453_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 408, "unit": "per_month", "display": "$408/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28195.0, "selling_price": 28195.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 407.52, "net_cap_cost": 28790.0, "residual_value": 17480.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 407.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 567.52}, "total_of_payments": 14688, "total_of_payments_unrounded": 14670.72}, "disclosure": "Estimated lease payment for stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. $408 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $568, made up of $408 first payment, $60 title, $100 registration. MSRP $28,195. Lease selling price $28,195. Net capitalized cost $28,790. Residual value $17,481, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,688. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL0T1894453_lease", "type": "lease", "label": "Lease", "headline": {"value": 314, "unit": "per_month", "display": "$314/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28195.0, "selling_price": 28195.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 314.23, "net_cap_cost": 25791.0, "residual_value": 17480.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 314.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3473.23}, "total_of_payments": 11304, "total_of_payments_unrounded": 11312.28}, "disclosure": "Estimated lease payment for stock #JM1BPABL0T1894453, VIN JM1BPABL0T1894453. $314 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,473, made up of $314 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,195. Lease selling price $28,195. Net capitalized cost $25,791. Residual value $17,481, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,304. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 384}}, {"vin": "JM1BPBNY8T1873251", "title": "2026 Mazda MAZDA3 Hatchback 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "MAZDA3 Hatchback", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 39665.0, "msrp": 39665.0, "sale_price": 37110.0, "currency": "USD", "mileage": 7, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "HATCHBACK", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MD262830", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPBNY8T1873251_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Premium Plus", "body_style": "Hatchback/Liftback/Notchback", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 5}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39665.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny8t1873251/2026-mazda-mazda3-hatchback-hatchback", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny8t1873251/2026-mazda-mazda3-hatchback-hatchback", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPBNY8T1873251.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY8T1873251.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPBNY8T1873251.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpbny8t1873251/2026-mazda-mazda3-hatchback-hatchback", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262830, VIN JM1BPBNY8T1873251. Advertised price: $39,665. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,665"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39665.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPBNY8T1873251_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 805, "unit": "per_month", "display": "$805/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39665.0, "price_incl_doc": 39665.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 804.81, "amount_financed": 42144.06, "sales_tax": 2479.06, "total_of_payments": 48288.36, "finance_charge": 6144.3, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262830, VIN JM1BPBNY8T1873251. $805 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,665, before any dealer documentation fee. Amount financed $42,144, including $2,479 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,288. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY8T1873251_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 698, "unit": "per_month", "display": "$698/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39665.0, "price_incl_doc": 39665.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 698.25, "amount_financed": 42144.06, "sales_tax": 2479.06, "total_of_payments": 50273.99, "finance_charge": 8129.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262830, VIN JM1BPBNY8T1873251. $698 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,665, before any dealer documentation fee. Amount financed $42,144, including $2,479 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,274. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY8T1873251_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39665.0, "price_incl_doc": 39665.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.61, "amount_financed": 42144.06, "sales_tax": 2479.06, "total_of_payments": 52551.37, "finance_charge": 10407.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262830, VIN JM1BPBNY8T1873251. $626 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,665, before any dealer documentation fee. Amount financed $42,144, including $2,479 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,551. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY8T1873251_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39665.0, "selling_price": 39665.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 565.77, "net_cap_cost": 40260.0, "residual_value": 24592.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 565.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 725.77}, "total_of_payments": 20376, "total_of_payments_unrounded": 20367.72}, "disclosure": "Estimated lease payment for stock #MD262830, VIN JM1BPBNY8T1873251. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $39,665. Lease selling price $39,665. Net capitalized cost $40,260. Residual value $24,592, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPBNY8T1873251_lease", "type": "lease", "label": "Lease", "headline": {"value": 472, "unit": "per_month", "display": "$472/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39665.0, "selling_price": 39665.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.48, "net_cap_cost": 37261.0, "residual_value": 24592.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3631.48}, "total_of_payments": 16992, "total_of_payments_unrounded": 17009.28}, "disclosure": "Estimated lease payment for stock #MD262830, VIN JM1BPBNY8T1873251. $472 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,631, made up of $472 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,665. Lease selling price $39,665. Net capitalized cost $37,261. Residual value $24,592, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,992. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 365}}, {"vin": "JM3KJAHF2T1351079", "title": "2026 Mazda CX-70 Plug-In Hybrid SC AWD", "year": 2026, "make": "Mazda", "model": "CX-70 Plug-In Hybrid", "trim": "SC AWD", "decoded_trim": "SC", "condition": "new", "price": 40318.0, "msrp": 46525.0, "sale_price": 40318.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,207. This offer applies to Stock #MD262685, VIN JM3KJAHF2T1351079. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,525. Advertised price: $40,318. Savings: $6,207, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,525"}, {"label": "Advertised price", "value": "$40,318"}, {"label": "Savings", "value": "$6,207, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,207", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40318.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJAHF2T1351079_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 818, "unit": "per_month", "display": "$818/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40318.0, "price_incl_doc": 40318.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 818.06, "amount_financed": 42837.88, "sales_tax": 2519.88, "total_of_payments": 49083.33, "finance_charge": 6245.45, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262685, VIN JM3KJAHF2T1351079. $818 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,318, before any dealer documentation fee. Amount financed $42,838, including $2,520 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,083. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF2T1351079_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 710, "unit": "per_month", "display": "$710/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40318.0, "price_incl_doc": 40318.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 709.75, "amount_financed": 42837.88, "sales_tax": 2519.88, "total_of_payments": 51101.65, "finance_charge": 8263.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262685, VIN JM3KJAHF2T1351079. $710 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,318, before any dealer documentation fee. Amount financed $42,838, including $2,520 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,102. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF2T1351079_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40318.0, "price_incl_doc": 40318.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 635.91, "amount_financed": 42837.88, "sales_tax": 2519.88, "total_of_payments": 53416.52, "finance_charge": 10578.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262685, VIN JM3KJAHF2T1351079. $636 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,318, before any dealer documentation fee. Amount financed $42,838, including $2,520 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,417. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF2T1351079_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46525.0, "selling_price": 40318.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 467.34, "net_cap_cost": 40913.0, "residual_value": 28845.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.34, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 627.34}, "total_of_payments": 16812, "total_of_payments_unrounded": 16824.24}, "disclosure": "Estimated lease payment for stock #MD262685, VIN JM3KJAHF2T1351079. $467 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $627, made up of $467 first payment, $60 title, $100 registration. MSRP $46,525. Lease selling price $40,318. Net capitalized cost $40,913. Residual value $28,846, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,812. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF2T1351079_lease", "type": "lease", "label": "Lease", "headline": {"value": 374, "unit": "per_month", "display": "$374/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46525.0, "selling_price": 40318.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 374.04, "net_cap_cost": 37914.0, "residual_value": 28845.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 374.04, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3533.04}, "total_of_payments": 13464, "total_of_payments_unrounded": 13465.44}, "disclosure": "Estimated lease payment for stock #MD262685, VIN JM3KJAHF2T1351079. $374 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,533, made up of $374 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,525. Lease selling price $40,318. Net capitalized cost $37,914. Residual value $28,846, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,464. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 324}}, {"vin": "JM3KMCHA4T0186679", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36715.0, "msrp": 36715.0, "sale_price": 36715.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA4T0186679", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0186679_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36715.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0186679/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0186679/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA4T0186679.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0186679.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0186679.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0186679/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. Advertised price: $36,715. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,715"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36715.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA4T0186679_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 744.95, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 44697.02, "finance_charge": 5687.33, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. $745 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,697. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0186679_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.32, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 46534.97, "finance_charge": 7525.28, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. $646 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,535. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0186679_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 579, "unit": "per_month", "display": "$579/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36715.0, "price_incl_doc": 36715.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 579.08, "amount_financed": 39009.69, "sales_tax": 2294.69, "total_of_payments": 48642.98, "finance_charge": 9633.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. $579 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,715, before any dealer documentation fee. Amount financed $39,010, including $2,295 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,643. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0186679_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36715.0, "selling_price": 36715.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 525.07, "net_cap_cost": 37310.0, "residual_value": 22763.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 525.07, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 685.07}, "total_of_payments": 18900, "total_of_payments_unrounded": 18902.52}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. $525 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $685, made up of $525 first payment, $60 title, $100 registration. MSRP $36,715. Lease selling price $36,715. Net capitalized cost $37,310. Residual value $22,763, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0186679_lease", "type": "lease", "label": "Lease", "headline": {"value": 432, "unit": "per_month", "display": "$432/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36715.0, "selling_price": 36715.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 431.78, "net_cap_cost": 34311.0, "residual_value": 22763.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 431.78, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3590.78}, "total_of_payments": 15552, "total_of_payments_unrounded": 15544.08}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0186679, VIN JM3KMCHA4T0186679. $432 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,591, made up of $432 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,715. Lease selling price $36,715. Net capitalized cost $34,311. Residual value $22,763, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,552. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 333}}, {"vin": "7MMVABDL7TN609872", "title": "2026 Mazda CX-50 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 35544.0, "msrp": 37605.0, "sale_price": 35544.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl7tn609872/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABDL7TN609872.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL7TN609872.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABDL7TN609872.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabdl7tn609872/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,061. This offer applies to Stock #MD262911, VIN 7MMVABDL7TN609872. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $37,605. Advertised price: $35,544. Savings: $2,061, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$37,605"}, {"label": "Advertised price", "value": "$35,544"}, {"label": "Savings", "value": "$2,061, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,061", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35544.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABDL7TN609872_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 721, "unit": "per_month", "display": "$721/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35544.0, "price_incl_doc": 35544.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 721.19, "amount_financed": 37765.5, "sales_tax": 2221.5, "total_of_payments": 43271.44, "finance_charge": 5505.94, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262911, VIN 7MMVABDL7TN609872. $721 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,544, before any dealer documentation fee. Amount financed $37,766, including $2,222 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,271. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL7TN609872_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35544.0, "price_incl_doc": 35544.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.71, "amount_financed": 37765.5, "sales_tax": 2221.5, "total_of_payments": 45050.77, "finance_charge": 7285.27, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262911, VIN 7MMVABDL7TN609872. $626 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,544, before any dealer documentation fee. Amount financed $37,766, including $2,222 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,051. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL7TN609872_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35544.0, "price_incl_doc": 35544.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 560.61, "amount_financed": 37765.5, "sales_tax": 2221.5, "total_of_payments": 47091.54, "finance_charge": 9326.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262911, VIN 7MMVABDL7TN609872. $561 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,544, before any dealer documentation fee. Amount financed $37,766, including $2,222 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,092. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL7TN609872_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37605.0, "selling_price": 35544.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 473.24, "net_cap_cost": 36139.0, "residual_value": 23315.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 473.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 633.24}, "total_of_payments": 17028, "total_of_payments_unrounded": 17036.64}, "disclosure": "Estimated lease payment for stock #MD262911, VIN 7MMVABDL7TN609872. $473 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $633, made up of $473 first payment, $60 title, $100 registration. MSRP $37,605. Lease selling price $35,544. Net capitalized cost $36,139. Residual value $23,315, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABDL7TN609872_lease", "type": "lease", "label": "Lease", "headline": {"value": 380, "unit": "per_month", "display": "$380/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37605.0, "selling_price": 35544.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 379.95, "net_cap_cost": 33140.0, "residual_value": 23315.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 379.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3538.95}, "total_of_payments": 13680, "total_of_payments_unrounded": 13678.2}, "disclosure": "Estimated lease payment for stock #MD262911, VIN 7MMVABDL7TN609872. $380 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,539, made up of $380 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,605. Lease selling price $35,544. Net capitalized cost $33,140. Residual value $23,315, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,680. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 311}}, {"vin": "7MMVABXY6TN609899", "title": "2026 Mazda CX-50 2.5 Turbo Meridian Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo Meridian Edition AWD", "decoded_trim": "Meridian Edition", "condition": "new", "price": 43105.0, "msrp": 43105.0, "sale_price": 43105.0, "currency": "USD", "mileage": null, "exterior_color": "Zircon Sand Metallic", "interior_color": "Terracotta Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 23, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVABXY6TN609899", "stock_status": "Available", 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fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy6tn609899/2026-mazda-cx-50-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABXY6TN609899.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY6TN609899.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXY6TN609899.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxy6tn609899/2026-mazda-cx-50-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. Advertised price: $43,105. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,105"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43105.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXY6TN609899_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 875, "unit": "per_month", "display": "$875/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43105.0, "price_incl_doc": 43105.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 874.6, "amount_financed": 45799.06, "sales_tax": 2694.06, "total_of_payments": 52476.23, "finance_charge": 6677.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. $875 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,105, before any dealer documentation fee. Amount financed $45,799, including $2,694 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,476. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY6TN609899_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 759, "unit": "per_month", "display": "$759/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43105.0, "price_incl_doc": 43105.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 758.81, "amount_financed": 45799.06, "sales_tax": 2694.06, "total_of_payments": 54634.07, "finance_charge": 8835.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. $759 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,105, before any dealer documentation fee. Amount financed $45,799, including $2,694 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,634. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY6TN609899_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 680, "unit": "per_month", "display": "$680/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43105.0, "price_incl_doc": 43105.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 679.87, "amount_financed": 45799.06, "sales_tax": 2694.06, "total_of_payments": 57108.96, "finance_charge": 11309.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. $680 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,105, before any dealer documentation fee. Amount financed $45,799, including $2,694 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,109. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY6TN609899_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 613, "unit": "per_month", "display": "$613/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43105.0, "selling_price": 43105.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 613.24, "net_cap_cost": 43700.0, "residual_value": 26725.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 613.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 773.24}, "total_of_payments": 22068, "total_of_payments_unrounded": 22076.64}, "disclosure": "Estimated lease payment for stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. $613 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $773, made up of $613 first payment, $60 title, $100 registration. MSRP $43,105. Lease selling price $43,105. Net capitalized cost $43,700. Residual value $26,725, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,068. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXY6TN609899_lease", "type": "lease", "label": "Lease", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43105.0, "selling_price": 43105.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 519.94, "net_cap_cost": 40701.0, "residual_value": 26725.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 519.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3678.94}, "total_of_payments": 18720, "total_of_payments_unrounded": 18717.84}, "disclosure": "Estimated lease payment for stock #7MMVABXY6TN609899, VIN 7MMVABXY6TN609899. $520 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,679, made up of $520 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,105. Lease selling price $43,105. Net capitalized cost $40,701. Residual value $26,725, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 292}}, {"vin": "7MMVAABW9TN183271", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36840.0, "msrp": 36840.0, "sale_price": 36840.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAABW9TN183271", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAABW9TN183271_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36840.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183271/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183271/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW9TN183271.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183271.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183271.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183271/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. Advertised price: $36,840. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,840"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW9TN183271_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 747.49, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 44849.2, "finance_charge": 5706.7, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. $747 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,849. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183271_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 649, "unit": "per_month", "display": "$649/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 648.52, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 46693.4, "finance_charge": 7550.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. $649 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,693. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183271_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36840.0, "price_incl_doc": 36840.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 581.05, "amount_financed": 39142.5, "sales_tax": 2302.5, "total_of_payments": 48808.59, "finance_charge": 9666.09, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. $581 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,840, before any dealer documentation fee. Amount financed $39,142, including $2,302 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,809. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183271_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36840.0, "selling_price": 36840.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.8, "net_cap_cost": 37435.0, "residual_value": 22840.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.8, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.8}, "total_of_payments": 18972, "total_of_payments_unrounded": 18964.8}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. $527 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $687, made up of $527 first payment, $60 title, $100 registration. MSRP $36,840. Lease selling price $36,840. Net capitalized cost $37,435. Residual value $22,841, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,972. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183271_lease", "type": "lease", "label": "Lease", "headline": {"value": 434, "unit": "per_month", "display": "$434/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36840.0, "selling_price": 36840.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 433.5, "net_cap_cost": 34436.0, "residual_value": 22840.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 433.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3592.5}, "total_of_payments": 15624, "total_of_payments_unrounded": 15606.0}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183271, VIN 7MMVAABW9TN183271. $434 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,592, made up of $434 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,840. Lease selling price $36,840. Net capitalized cost $34,436. Residual value $22,841, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,624. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 310}}, {"vin": "3MVDMBBL1TM141894", "title": "2026 Mazda CX-30 2.5 S Select Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Select Sport AWD", "decoded_trim": "Select Sport", "condition": "new", "price": 28142.0, "msrp": 29940.0, "sale_price": 28142.0, "currency": "USD", "mileage": 6, "exterior_color": "Machine Gray Metallic", "interior_color": "Black/Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MD262649", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/3MVDMBBL1TM141894_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Select Sport", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29940.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl1tm141894/2026-mazda-cx-30-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl1tm141894/2026-mazda-cx-30-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBBL1TM141894.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL1TM141894.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL1TM141894.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl1tm141894/2026-mazda-cx-30-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,798. This offer applies to Stock #MD262649, VIN 3MVDMBBL1TM141894. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $29,940. Advertised price: $28,142. Savings: $1,798, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$29,940"}, {"label": "Advertised price", "value": "$28,142"}, {"label": "Savings", "value": "$1,798, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,798", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28142.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBBL1TM141894_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28142.0, "price_incl_doc": 28142.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 522.79, "amount_financed": 29900.88, "sales_tax": 1758.88, "total_of_payments": 31367.3, "finance_charge": 1466.42, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262649, VIN 3MVDMBBL1TM141894. $523 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $28,142, before any dealer documentation fee. Amount financed $29,901, including $1,759 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $31,367. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL1TM141894_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 444, "unit": "per_month", "display": "$444/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28142.0, "price_incl_doc": 28142.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 443.87, "amount_financed": 29900.88, "sales_tax": 1758.88, "total_of_payments": 37284.78, "finance_charge": 7383.9, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262649, VIN 3MVDMBBL1TM141894. $444 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,142, before any dealer documentation fee. Amount financed $29,901, including $1,759 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $37,285. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL1TM141894_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 376, "unit": "per_month", "display": "$376/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29940.0, "selling_price": 28142.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 375.66, "net_cap_cost": 28737.0, "residual_value": 18562.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 375.66, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 535.66}, "total_of_payments": 13536, "total_of_payments_unrounded": 13523.76}, "disclosure": "Estimated lease payment for stock #MD262649, VIN 3MVDMBBL1TM141894. $376 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $536, made up of $376 first payment, $60 title, $100 registration. MSRP $29,940. Lease selling price $28,142. Net capitalized cost $28,737. Residual value $18,563, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,536. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL1TM141894_lease", "type": "lease", "label": "Lease", "headline": {"value": 282, "unit": "per_month", "display": "$282/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29940.0, "selling_price": 28142.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 282.37, "net_cap_cost": 25738.0, "residual_value": 18562.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 282.37, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3441.37}, "total_of_payments": 10152, "total_of_payments_unrounded": 10165.32}, "disclosure": "Estimated lease payment for stock #MD262649, VIN 3MVDMBBL1TM141894. $282 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,441, made up of $282 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,940. Lease selling price $28,142. Net capitalized cost $25,738. Residual value $18,563, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,152. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 312}}, {"vin": "JM3KKEHC0T1385371", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 56338.0, "msrp": 61180.0, "sale_price": 56338.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "NRMD262744", "stock_status": 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc0t1385371/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHC0T1385371.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC0T1385371.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC0T1385371.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc0t1385371/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,842. This offer applies to Stock #NRMD262744, VIN JM3KKEHC0T1385371. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $61,180. Advertised price: $56,338. Savings: $4,842, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$61,180"}, {"label": "Advertised price", "value": "$56,338"}, {"label": "Savings", "value": "$4,842, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,842", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 56338.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC0T1385371_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1021, "unit": "per_month", "display": "$1,021/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56338.0, "price_incl_doc": 56338.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1020.64, "amount_financed": 59859.13, "sales_tax": 3521.13, "total_of_payments": 61238.5, "finance_charge": 1379.37, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262744, VIN JM3KKEHC0T1385371. $1,021 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $56,338, before any dealer documentation fee. Amount financed $59,859, including $3,521 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $61,238. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC0T1385371_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 889, "unit": "per_month", "display": "$889/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 56338.0, "price_incl_doc": 56338.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 888.58, "amount_financed": 59859.13, "sales_tax": 3521.13, "total_of_payments": 74641.1, "finance_charge": 14781.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262744, VIN JM3KKEHC0T1385371. $889 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $56,338, before any dealer documentation fee. Amount financed $59,859, including $3,521 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $74,641. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC0T1385371_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 712, "unit": "per_month", "display": "$712/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61180.0, "selling_price": 56338.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 712.0, "net_cap_cost": 56933.0, "residual_value": 37931.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 712, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 872}, "total_of_payments": 25632, "total_of_payments_unrounded": 25632.0}, "disclosure": "Estimated lease payment for stock #NRMD262744, VIN JM3KKEHC0T1385371. $712 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $872, made up of $712 first payment, $60 title, $100 registration. MSRP $61,180. Lease selling price $56,338. Net capitalized cost $56,933. Residual value $37,932, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,632. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC0T1385371_lease", "type": "lease", "label": "Lease", "headline": {"value": 619, "unit": "per_month", "display": "$619/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 61180.0, "selling_price": 56338.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 618.7, "net_cap_cost": 53934.0, "residual_value": 37931.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 618.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3777.7}, "total_of_payments": 22284, "total_of_payments_unrounded": 22273.2}, "disclosure": "Estimated lease payment for stock #NRMD262744, VIN JM3KKEHC0T1385371. $619 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,778, made up of $619 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $61,180. Lease selling price $56,338. Net capitalized cost $53,934. Residual value $37,932, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,284. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 290}}, {"vin": "JM3KMCHAXT0173676", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36940.0, "msrp": 36940.0, "sale_price": 36940.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0173676", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173676_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36940.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173676/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173676/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0173676.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0173676.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0173676.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173676/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. Advertised price: $36,940. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,940"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36940.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0173676_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.52, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 44970.94, "finance_charge": 5722.19, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. $750 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,971. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173676_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.28, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 46820.15, "finance_charge": 7571.4, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. $650 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,820. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173676_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 583, "unit": "per_month", "display": "$583/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36940.0, "price_incl_doc": 36940.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 582.63, "amount_financed": 39248.75, "sales_tax": 2308.75, "total_of_payments": 48941.07, "finance_charge": 9692.32, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. $583 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,940, before any dealer documentation fee. Amount financed $39,249, including $2,309 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,941. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173676_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 528, "unit": "per_month", "display": "$528/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 528.18, "net_cap_cost": 37535.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 528.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 688.18}, "total_of_payments": 19008, "total_of_payments_unrounded": 19014.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. $528 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $688, made up of $528 first payment, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $37,535. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,008. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173676_lease", "type": "lease", "label": "Lease", "headline": {"value": 435, "unit": "per_month", "display": "$435/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36940.0, "selling_price": 36940.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 434.88, "net_cap_cost": 34536.0, "residual_value": 22902.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 434.88, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3593.88}, "total_of_payments": 15660, "total_of_payments_unrounded": 15655.68}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0173676, VIN JM3KMCHAXT0173676. $435 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,594, made up of $435 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,940. Lease selling price $36,940. Net capitalized cost $34,536. Residual value $22,903, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,660. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 259}}, {"vin": "JM3KKEHD8T1384929", "title": "2026 Mazda CX-90 3.3 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 48947.0, "msrp": 53495.0, "sale_price": 48947.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,548. This offer applies to Stock #MD262712, VIN JM3KKEHD8T1384929. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $53,495. Advertised price: $48,947. Savings: $4,548, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$53,495"}, {"label": "Advertised price", "value": "$48,947"}, {"label": "Savings", "value": "$4,548, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,548", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48947.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHD8T1384929_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 887, "unit": "per_month", "display": "$887/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48947.0, "price_incl_doc": 48947.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 886.74, "amount_financed": 52006.19, "sales_tax": 3059.19, "total_of_payments": 53204.6, "finance_charge": 1198.41, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262712, VIN JM3KKEHD8T1384929. $887 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $48,947, before any dealer documentation fee. Amount financed $52,006, including $3,059 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $53,205. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD8T1384929_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 772, "unit": "per_month", "display": "$772/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48947.0, "price_incl_doc": 48947.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 772.01, "amount_financed": 52006.19, "sales_tax": 3059.19, "total_of_payments": 64848.91, "finance_charge": 12842.72, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262712, VIN JM3KKEHD8T1384929. $772 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,947, before any dealer documentation fee. Amount financed $52,006, including $3,059 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,849. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD8T1384929_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 615, "unit": "per_month", "display": "$615/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53495.0, "selling_price": 48947.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.11, "net_cap_cost": 49542.0, "residual_value": 33166.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.11, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 775.11}, "total_of_payments": 22140, "total_of_payments_unrounded": 22143.96}, "disclosure": "Estimated lease payment for stock #MD262712, VIN JM3KKEHD8T1384929. $615 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $775, made up of $615 first payment, $60 title, $100 registration. MSRP $53,495. Lease selling price $48,947. Net capitalized cost $49,542. Residual value $33,167, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,140. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHD8T1384929_lease", "type": "lease", "label": "Lease", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 53495.0, "selling_price": 48947.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 521.82, "net_cap_cost": 46543.0, "residual_value": 33166.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 521.82, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3680.82}, "total_of_payments": 18792, "total_of_payments_unrounded": 18785.52}, "disclosure": "Estimated lease payment for stock #MD262712, VIN JM3KKEHD8T1384929. $522 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,681, made up of $522 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $53,495. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,006. This offer applies to Stock #MD262620, VIN 3MVDMBXY8TM139368. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,635. Advertised price: $34,629. Savings: $2,006, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$36,635"}, {"label": "Advertised price", "value": "$34,629"}, {"label": "Savings", "value": "$2,006, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,006", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34629.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBXY8TM139368_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 643, "unit": "per_month", "display": "$643/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34629.0, "price_incl_doc": 34629.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 643.3, "amount_financed": 36793.31, "sales_tax": 2164.31, "total_of_payments": 38597.76, "finance_charge": 1804.45, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262620, VIN 3MVDMBXY8TM139368. $643 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $34,629, before any dealer documentation fee. Amount financed $36,793, including $2,164 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $38,598. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY8TM139368_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 546, "unit": "per_month", "display": "$546/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34629.0, "price_incl_doc": 34629.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 546.18, "amount_financed": 36793.31, "sales_tax": 2164.31, "total_of_payments": 45879.27, "finance_charge": 9085.96, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262620, VIN 3MVDMBXY8TM139368. $546 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,629, before any dealer documentation fee. Amount financed $36,793, including $2,164 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,879. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY8TM139368_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 462, "unit": "per_month", "display": "$462/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36635.0, "selling_price": 34629.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 461.57, "net_cap_cost": 35224.0, "residual_value": 22713.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 461.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 621.57}, "total_of_payments": 16632, "total_of_payments_unrounded": 16616.52}, "disclosure": "Estimated lease payment for stock #MD262620, VIN 3MVDMBXY8TM139368. $462 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $622, made up of $462 first payment, $60 title, $100 registration. MSRP $36,635. Lease selling price $34,629. Net capitalized cost $35,224. Residual value $22,714, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,632. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXY8TM139368_lease", "type": "lease", "label": "Lease", "headline": {"value": 368, "unit": "per_month", "display": "$368/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36635.0, "selling_price": 34629.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 368.27, "net_cap_cost": 32225.0, "residual_value": 22713.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 368.27, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3527.27}, "total_of_payments": 13248, "total_of_payments_unrounded": 13257.72}, "disclosure": "Estimated lease payment for stock #MD262620, VIN 3MVDMBXY8TM139368. $368 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,527, made up of $368 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,635. Lease selling price $34,629. Net capitalized cost $32,225. Residual value $22,714, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,248. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Electric", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50000.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf9t1351706/2026-mazda-cx-70-plug-in-hybrid-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf9t1351706/2026-mazda-cx-70-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJCHF9T1351706.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJCHF9T1351706.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJCHF9T1351706.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf9t1351706/2026-mazda-cx-70-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,377. This offer applies to Stock #NRMD262716, VIN JM3KJCHF9T1351706. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $50,000. Advertised price: $43,623. Savings: $6,377, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$50,000"}, {"label": "Advertised price", "value": "$43,623"}, {"label": "Savings", "value": "$6,377, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,377", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43623.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJCHF9T1351706_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 885, "unit": "per_month", "display": "$885/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43623.0, "price_incl_doc": 43623.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 885.11, "amount_financed": 46349.44, "sales_tax": 2726.44, "total_of_payments": 53106.86, "finance_charge": 6757.42, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262716, VIN JM3KJCHF9T1351706. $885 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,623, before any dealer documentation fee. Amount financed $46,349, including $2,726 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,107. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF9T1351706_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 768, "unit": "per_month", "display": "$768/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43623.0, "price_incl_doc": 43623.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 767.93, "amount_financed": 46349.44, "sales_tax": 2726.44, "total_of_payments": 55290.62, "finance_charge": 8941.18, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262716, VIN JM3KJCHF9T1351706. $768 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,623, before any dealer documentation fee. Amount financed $46,349, including $2,726 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,291. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF9T1351706_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 688, "unit": "per_month", "display": "$688/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43623.0, "price_incl_doc": 43623.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 688.04, "amount_financed": 46349.44, "sales_tax": 2726.44, "total_of_payments": 57795.25, "finance_charge": 11445.81, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262716, VIN JM3KJCHF9T1351706. $688 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,623, before any dealer documentation fee. Amount financed $46,349, including $2,726 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,795. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF9T1351706_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50000.0, "selling_price": 43623.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 509.99, "net_cap_cost": 44218.0, "residual_value": 31000.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 669.99}, "total_of_payments": 18360, "total_of_payments_unrounded": 18359.64}, "disclosure": "Estimated lease payment for stock #NRMD262716, VIN JM3KJCHF9T1351706. $510 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $670, made up of $510 first payment, $60 title, $100 registration. MSRP $50,000. Lease selling price $43,623. Net capitalized cost $44,218. Residual value $31,000, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,360. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF9T1351706_lease", "type": "lease", "label": "Lease", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50000.0, "selling_price": 43623.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 416.7, "net_cap_cost": 41219.0, "residual_value": 31000.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 416.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3575.7}, "total_of_payments": 15012, "total_of_payments_unrounded": 15001.2}, "disclosure": "Estimated lease payment for stock #NRMD262716, VIN JM3KJCHF9T1351706. $417 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,576, made up of $417 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,000. Lease selling price $43,623. Net capitalized cost $41,219. Residual value $31,000, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,012. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 307}}, {"vin": "JM3KMBHAXT0188446", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33885.0, "msrp": 33885.0, "sale_price": 33885.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHAXT0188446", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHAXT0188446_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33885.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbhaxt0188446/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbhaxt0188446/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHAXT0188446.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHAXT0188446.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHAXT0188446.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbhaxt0188446/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. Advertised price: $33,885. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,885"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33885.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHAXT0188446_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 688, "unit": "per_month", "display": "$688/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33885.0, "price_incl_doc": 33885.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.53, "amount_financed": 36002.81, "sales_tax": 2117.81, "total_of_payments": 41251.76, "finance_charge": 5248.95, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. $688 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,885, before any dealer documentation fee. Amount financed $36,003, including $2,118 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,252. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0188446_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33885.0, "price_incl_doc": 33885.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.5, "amount_financed": 36002.81, "sales_tax": 2117.81, "total_of_payments": 42948.04, "finance_charge": 6945.23, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,885, before any dealer documentation fee. Amount financed $36,003, including $2,118 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,948. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0188446_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33885.0, "price_incl_doc": 33885.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.45, "amount_financed": 36002.81, "sales_tax": 2117.81, "total_of_payments": 44893.56, "finance_charge": 8890.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,885, before any dealer documentation fee. Amount financed $36,003, including $2,118 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,894. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0188446_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 486, "unit": "per_month", "display": "$486/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33885.0, "selling_price": 33885.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 486.03, "net_cap_cost": 34480.0, "residual_value": 21008.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 486.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 646.03}, "total_of_payments": 17496, "total_of_payments_unrounded": 17497.08}, "disclosure": "Estimated lease payment for stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. $486 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $646, made up of $486 first payment, $60 title, $100 registration. MSRP $33,885. Lease selling price $33,885. Net capitalized cost $34,480. Residual value $21,009, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,496. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHAXT0188446_lease", "type": "lease", "label": "Lease", "headline": {"value": 393, "unit": "per_month", "display": "$393/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33885.0, "selling_price": 33885.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 392.73, "net_cap_cost": 31481.0, "residual_value": 21008.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 392.73, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3551.73}, "total_of_payments": 14148, "total_of_payments_unrounded": 14138.28}, "disclosure": "Estimated lease payment for stock #JM3KMBHAXT0188446, VIN JM3KMBHAXT0188446. $393 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,552, made up of $393 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,885. Lease selling price $33,885. Net capitalized cost $31,481. Residual value $21,009, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,148. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 305}}, {"vin": "JM3KMCHA1T0180080", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 35915.0, "msrp": 35915.0, "sale_price": 35915.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA1T0180080", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA1T0180080_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35915.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0180080/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0180080/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA1T0180080.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA1T0180080.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA1T0180080.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha1t0180080/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. Advertised price: $35,915. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,915"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35915.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA1T0180080_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 729, "unit": "per_month", "display": "$729/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35915.0, "price_incl_doc": 35915.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 728.72, "amount_financed": 38159.69, "sales_tax": 2244.69, "total_of_payments": 43723.1, "finance_charge": 5563.41, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. $729 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,915, before any dealer documentation fee. Amount financed $38,160, including $2,245 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,723. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0180080_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 632, "unit": "per_month", "display": "$632/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35915.0, "price_incl_doc": 35915.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.24, "amount_financed": 38159.69, "sales_tax": 2244.69, "total_of_payments": 45521.0, "finance_charge": 7361.31, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. $632 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,915, before any dealer documentation fee. Amount financed $38,160, including $2,245 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,521. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0180080_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35915.0, "price_incl_doc": 35915.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.47, "amount_financed": 38159.69, "sales_tax": 2244.69, "total_of_payments": 47583.07, "finance_charge": 9423.38, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. $566 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,915, before any dealer documentation fee. Amount financed $38,160, including $2,245 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,583. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0180080_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 514, "unit": "per_month", "display": "$514/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35915.0, "selling_price": 35915.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 514.03, "net_cap_cost": 36510.0, "residual_value": 22267.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 514.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 674.03}, "total_of_payments": 18504, "total_of_payments_unrounded": 18505.08}, "disclosure": "Estimated lease payment for stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. $514 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $674, made up of $514 first payment, $60 title, $100 registration. MSRP $35,915. Lease selling price $35,915. Net capitalized cost $36,510. Residual value $22,267, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,504. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA1T0180080_lease", "type": "lease", "label": "Lease", "headline": {"value": 421, "unit": "per_month", "display": "$421/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35915.0, "selling_price": 35915.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 420.74, "net_cap_cost": 33511.0, "residual_value": 22267.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 420.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3579.74}, "total_of_payments": 15156, "total_of_payments_unrounded": 15146.64}, "disclosure": "Estimated lease payment for stock #JM3KMCHA1T0180080, VIN JM3KMCHA1T0180080. $421 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,580, made up of $421 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,915. Lease selling price $35,915. Net capitalized cost $33,511. Residual value $22,267, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,156. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 311}}, {"vin": "3MVDMBCL7TM224230", "title": "2026 Mazda CX-30 2.5 S Carbon Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Carbon Edition AWD", "decoded_trim": "Preferred Package/Carbon Edition", "condition": "new", "price": 33705.0, "msrp": 33705.0, "sale_price": 33705.0, "currency": "USD", "mileage": null, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Red/Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBCL7TM224230", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL7TM224230_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Preferred Package/Carbon Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 33705.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl7tm224230/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl7tm224230/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBCL7TM224230.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL7TM224230.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL7TM224230.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl7tm224230/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBCL7TM224230, VIN 3MVDMBCL7TM224230. Advertised price: $33,705. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,705"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33705.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL7TM224230_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33705.0, "price_incl_doc": 33705.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 626.13, "amount_financed": 35811.56, "sales_tax": 2106.56, "total_of_payments": 37567.86, "finance_charge": 1756.3, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL7TM224230, VIN 3MVDMBCL7TM224230. $626 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $33,705, before any dealer documentation fee. Amount financed $35,812, including $2,107 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $37,568. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM224230_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33705.0, "price_incl_doc": 33705.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 531.61, "amount_financed": 35811.56, "sales_tax": 2106.56, "total_of_payments": 44655.08, "finance_charge": 8843.52, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL7TM224230, VIN 3MVDMBCL7TM224230. $532 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,705, before any dealer documentation fee. Amount financed $35,812, including $2,107 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,655. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM224230_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33705.0, "selling_price": 33705.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.54, "net_cap_cost": 34300.0, "residual_value": 20897.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.54, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.54}, "total_of_payments": 17424, "total_of_payments_unrounded": 17407.44}, "disclosure": "Estimated lease payment for stock #3MVDMBCL7TM224230, VIN 3MVDMBCL7TM224230. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $33,705. Lease selling price $33,705. Net capitalized cost $34,300. Residual value $20,897, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM224230_lease", "type": "lease", "label": "Lease", "headline": {"value": 390, "unit": "per_month", "display": "$390/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33705.0, "selling_price": 33705.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.25, "net_cap_cost": 31301.0, "residual_value": 20897.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.25, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3549.25}, "total_of_payments": 14040, "total_of_payments_unrounded": 14049.0}, "disclosure": "Estimated lease payment for stock #3MVDMBCL7TM224230, VIN 3MVDMBCL7TM224230. $390 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,549, made up of $390 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,705. Lease selling price $33,705. Net capitalized cost $31,301. Residual value $20,897, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 313}}, {"vin": "JM3KMCHA4T0210401", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36320.0, "msrp": 36320.0, "sale_price": 36320.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA4T0210401", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA4T0210401_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36320.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0210401/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0210401/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA4T0210401.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0210401.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA4T0210401.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha4t0210401/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. Advertised price: $36,320. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,320"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36320.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA4T0210401_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 737, "unit": "per_month", "display": "$737/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 736.94, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 44216.14, "finance_charge": 5626.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. $737 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,216. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0210401_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 639, "unit": "per_month", "display": "$639/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 639.37, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 46034.32, "finance_charge": 7444.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. $639 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0210401_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.85, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 48119.65, "finance_charge": 9529.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. $573 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,120. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0210401_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36320.0, "selling_price": 36320.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 519.62, "net_cap_cost": 36915.0, "residual_value": 22518.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 519.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 679.62}, "total_of_payments": 18720, "total_of_payments_unrounded": 18706.32}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. $520 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $680, made up of $520 first payment, $60 title, $100 registration. MSRP $36,320. Lease selling price $36,320. Net capitalized cost $36,915. Residual value $22,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA4T0210401_lease", "type": "lease", "label": "Lease", "headline": {"value": 426, "unit": "per_month", "display": "$426/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36320.0, "selling_price": 36320.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 426.33, "net_cap_cost": 33916.0, "residual_value": 22518.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 426.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3585.33}, "total_of_payments": 15336, "total_of_payments_unrounded": 15347.88}, "disclosure": "Estimated lease payment for stock #JM3KMCHA4T0210401, VIN JM3KMCHA4T0210401. $426 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,585, made up of $426 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,320. Lease selling price $36,320. Net capitalized cost $33,916. Residual value $22,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,336. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 319}}, {"vin": "JM3KMDHA3T0210525", "title": "2026 Mazda CX-5 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 39220.0, "msrp": 39220.0, "sale_price": 39220.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMDHA3T0210525", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMDHA3T0210525_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 39220.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdha3t0210525/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdha3t0210525/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMDHA3T0210525.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMDHA3T0210525.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMDHA3T0210525.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdha3t0210525/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. Advertised price: $39,220. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,220"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 39220.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHA3T0210525_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 796, "unit": "per_month", "display": "$796/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39220.0, "price_incl_doc": 39220.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 795.78, "amount_financed": 41671.25, "sales_tax": 2451.25, "total_of_payments": 47746.62, "finance_charge": 6075.37, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. $796 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,220, before any dealer documentation fee. Amount financed $41,671, including $2,451 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,747. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0210525_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 690, "unit": "per_month", "display": "$690/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39220.0, "price_incl_doc": 39220.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 690.42, "amount_financed": 41671.25, "sales_tax": 2451.25, "total_of_payments": 49709.97, "finance_charge": 8038.72, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. $690 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,220, before any dealer documentation fee. Amount financed $41,671, including $2,451 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,710. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0210525_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 619, "unit": "per_month", "display": "$619/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39220.0, "price_incl_doc": 39220.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.59, "amount_financed": 41671.25, "sales_tax": 2451.25, "total_of_payments": 51961.8, "finance_charge": 10290.55, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. $619 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,220, before any dealer documentation fee. Amount financed $41,671, including $2,451 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,962. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0210525_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 560, "unit": "per_month", "display": "$560/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39220.0, "selling_price": 39220.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 559.63, "net_cap_cost": 39815.0, "residual_value": 24316.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 559.63, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 719.63}, "total_of_payments": 20160, "total_of_payments_unrounded": 20146.68}, "disclosure": "Estimated lease payment for stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. $560 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $720, made up of $560 first payment, $60 title, $100 registration. MSRP $39,220. Lease selling price $39,220. Net capitalized cost $39,815. Residual value $24,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,160. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0210525_lease", "type": "lease", "label": "Lease", "headline": {"value": 466, "unit": "per_month", "display": "$466/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39220.0, "selling_price": 39220.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.34, "net_cap_cost": 36816.0, "residual_value": 24316.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.34, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3625.34}, "total_of_payments": 16776, "total_of_payments_unrounded": 16788.24}, "disclosure": "Estimated lease payment for stock #JM3KMDHA3T0210525, VIN JM3KMDHA3T0210525. $466 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,625, made up of $466 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,220. Lease selling price $39,220. Net capitalized cost $36,816. Residual value $24,316, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,776. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,175"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36175.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJDHA7S1105598_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 902, "unit": "per_month", "display": "$902/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36175.0, "price_incl_doc": 36175.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 902.49, "amount_financed": 38435.94, "sales_tax": 2260.94, "total_of_payments": 43319.66, "finance_charge": 4883.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0383, VIN JM3KJDHA7S1105598. $902 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,175, before any dealer documentation fee. Amount financed $38,436, including $2,261 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,320. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHA7S1105598_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 752, "unit": "per_month", "display": "$752/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36175.0, "price_incl_doc": 36175.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 751.86, "amount_financed": 38435.94, "sales_tax": 2260.94, "total_of_payments": 45111.8, "finance_charge": 6675.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0383, VIN JM3KJDHA7S1105598. $752 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,175, before any dealer documentation fee. Amount financed $38,436, including $2,261 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,112. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHA7S1105598_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 655, "unit": "per_month", "display": "$655/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36175.0, "price_incl_doc": 36175.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 655.11, "amount_financed": 38435.94, "sales_tax": 2260.94, "total_of_payments": 47167.92, "finance_charge": 8731.98, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0383, VIN JM3KJDHA7S1105598. $655 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,175, before any dealer documentation fee. Amount financed $38,436, including $2,261 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $47,168. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 1, "elapsed_ms": 0}}, {"vin": "7MMVAAEW2TN185827", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 43300.0, "msrp": 43300.0, "sale_price": 43300.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAAEW2TN185827", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW2TN185827_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43300.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew2tn185827/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew2tn185827/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW2TN185827.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW2TN185827.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW2TN185827.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew2tn185827/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. Advertised price: $43,300. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,300"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43300.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW2TN185827_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 879, "unit": "per_month", "display": "$879/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43300.0, "price_incl_doc": 43300.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 878.56, "amount_financed": 46006.25, "sales_tax": 2706.25, "total_of_payments": 52713.63, "finance_charge": 6707.38, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. $879 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,300, before any dealer documentation fee. Amount financed $46,006, including $2,706 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,714. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN185827_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43300.0, "price_incl_doc": 43300.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 762.24, "amount_financed": 46006.25, "sales_tax": 2706.25, "total_of_payments": 54881.23, "finance_charge": 8874.98, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,300, before any dealer documentation fee. Amount financed $46,006, including $2,706 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,881. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN185827_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 683, "unit": "per_month", "display": "$683/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43300.0, "price_incl_doc": 43300.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.94, "amount_financed": 46006.25, "sales_tax": 2706.25, "total_of_payments": 57367.31, "finance_charge": 11361.06, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. $683 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,300, before any dealer documentation fee. Amount financed $46,006, including $2,706 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,367. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN185827_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43300.0, "selling_price": 43300.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.93, "net_cap_cost": 43895.0, "residual_value": 26846.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 775.93}, "total_of_payments": 22176, "total_of_payments_unrounded": 22173.48}, "disclosure": "Estimated lease payment for stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. $616 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $776, made up of $616 first payment, $60 title, $100 registration. MSRP $43,300. Lease selling price $43,300. Net capitalized cost $43,895. Residual value $26,846, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN185827_lease", "type": "lease", "label": "Lease", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43300.0, "selling_price": 43300.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.63, "net_cap_cost": 40896.0, "residual_value": 26846.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3681.63}, "total_of_payments": 18828, "total_of_payments_unrounded": 18814.68}, "disclosure": "Estimated lease payment for stock #7MMVAAEW2TN185827, VIN 7MMVAAEW2TN185827. $523 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,682, made up of $523 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,300. Lease selling price $43,300. Net capitalized cost $40,896. Residual value $26,846, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 325}}, {"vin": "JM3KFBDM8J0356804", "title": "2018 Mazda CX-5 Grand Touring", "year": 2018, "make": "Mazda", "model": "CX-5", "trim": "Grand Touring", "decoded_trim": "Grand Touring", "condition": "used", "price": 18390.0, "msrp": 17977.0, "sale_price": 18390.0, "currency": "USD", "mileage": 95546, "exterior_color": "Snowflake White Pearl Mica", "interior_color": "Parchment", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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"Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm8j0356804/2018-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBDM8J0356804.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM8J0356804.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM8J0356804.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm8j0356804/2018-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262974A, VIN JM3KFBDM8J0356804. Advertised price: $18,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBDM8J0356804_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 459, "unit": "per_month", "display": "$459/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18390.0, "price_incl_doc": 18390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 458.79, "amount_financed": 19539.38, "sales_tax": 1149.38, "total_of_payments": 22022.08, "finance_charge": 2482.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262974A, VIN JM3KFBDM8J0356804. $459 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,390, before any dealer documentation fee. Amount financed $19,539, including $1,149 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $22,022. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM8J0356804_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 382, "unit": "per_month", "display": "$382/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18390.0, "price_incl_doc": 18390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 382.22, "amount_financed": 19539.38, "sales_tax": 1149.38, "total_of_payments": 22933.13, "finance_charge": 3393.75, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262974A, VIN JM3KFBDM8J0356804. $382 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,390, before any dealer documentation fee. Amount financed $19,539, including $1,149 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,933. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM8J0356804_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18390.0, "price_incl_doc": 18390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 333.03, "amount_financed": 19539.38, "sales_tax": 1149.38, "total_of_payments": 23978.39, "finance_charge": 4439.01, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262974A, VIN JM3KFBDM8J0356804. $333 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,390, before any dealer documentation fee. Amount financed $19,539, including $1,149 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,978. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,757. This offer applies to Stock #MD262846X, VIN 3MVDMBCL7TM215219. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $31,260. Advertised price: $29,503. Savings: $1,757, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$31,260"}, {"label": "Advertised price", "value": "$29,503"}, {"label": "Savings", "value": "$1,757, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,757", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29503.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL7TM215219_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29503.0, "price_incl_doc": 29503.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.07, "amount_financed": 31346.94, "sales_tax": 1843.94, "total_of_payments": 32884.28, "finance_charge": 1537.34, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262846X, VIN 3MVDMBCL7TM215219. $548 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $29,503, before any dealer documentation fee. Amount financed $31,347, including $1,844 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $32,884. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM215219_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 465, "unit": "per_month", "display": "$465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29503.0, "price_incl_doc": 29503.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 465.33, "amount_financed": 31346.94, "sales_tax": 1843.94, "total_of_payments": 39087.94, "finance_charge": 7741.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262846X, VIN 3MVDMBCL7TM215219. $465 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,503, before any dealer documentation fee. Amount financed $31,347, including $1,844 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,088. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM215219_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 395, "unit": "per_month", "display": "$395/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31260.0, "selling_price": 29503.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 395.15, "net_cap_cost": 30098.0, "residual_value": 19381.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 395.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 555.15}, "total_of_payments": 14220, "total_of_payments_unrounded": 14225.4}, "disclosure": "Estimated lease payment for stock #MD262846X, VIN 3MVDMBCL7TM215219. $395 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $555, made up of $395 first payment, $60 title, $100 registration. MSRP $31,260. Lease selling price $29,503. Net capitalized cost $30,098. Residual value $19,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,220. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL7TM215219_lease", "type": "lease", "label": "Lease", "headline": {"value": 302, "unit": "per_month", "display": "$302/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31260.0, "selling_price": 29503.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 301.86, "net_cap_cost": 27099.0, "residual_value": 19381.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 301.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3460.86}, "total_of_payments": 10872, "total_of_payments_unrounded": 10866.96}, "disclosure": "Estimated lease payment for stock #MD262846X, VIN 3MVDMBCL7TM215219. $302 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,461, made up of $302 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,260. Lease selling price $29,503. Net capitalized cost $27,099. Residual value $19,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,872. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 327}}, {"vin": "KM8J3CA41JU707080", "title": "2018 Hyundai Tucson SEL", "year": 2018, "make": "Hyundai", "model": "Tucson", "trim": "SEL", "decoded_trim": "SE Pop, SE Plus, Eco, Sport, Value, Ultimate Base/Ultimate", "condition": "used", "price": 11945.0, "msrp": 11532.0, "sale_price": 11859.0, "currency": "USD", "mileage": 84744, "exterior_color": "Dazzling White", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.0 L/122", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 21, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "HD260492XAA", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2018HYS02_640/2018HYS020003_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2018HYS02_640/2018HYS020003_640_01.jpg"], "vin_decode": {"make": "Hyundai", "model": "Tucson", "year": 2018, "trim": "SE Pop, SE Plus, Eco, Sport, Value, Ultimate Base/Ultimate", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2L 4-Cylinder", "engine_displacement_l": 2.0, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 11532.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/KM8J3CA41JU707080.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8j3ca41ju707080/2018-hyundai-tucson-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8j3ca41ju707080/2018-hyundai-tucson-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KM8J3CA41JU707080.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KM8J3CA41JU707080.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KM8J3CA41JU707080.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/km8j3ca41ju707080/2018-hyundai-tucson-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD260492XAA, VIN KM8J3CA41JU707080. Advertised price: $11,945. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$11,945"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 11945.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KM8J3CA41JU707080_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 298, "unit": "per_month", "display": "$298/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11945.0, "price_incl_doc": 11945.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 298.0, "amount_financed": 12691.56, "sales_tax": 746.56, "total_of_payments": 14304.17, "finance_charge": 1612.61, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260492XAA, VIN KM8J3CA41JU707080. $298 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $11,945, before any dealer documentation fee. Amount financed $12,692, including $747 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $14,304. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J3CA41JU707080_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 248, "unit": "per_month", "display": "$248/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11945.0, "price_incl_doc": 11945.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 248.27, "amount_financed": 12691.56, "sales_tax": 746.56, "total_of_payments": 14895.93, "finance_charge": 2204.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260492XAA, VIN KM8J3CA41JU707080. $248 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $11,945, before any dealer documentation fee. Amount financed $12,692, including $747 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $14,896. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KM8J3CA41JU707080_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 216, "unit": "per_month", "display": "$216/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 11945.0, "price_incl_doc": 11945.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 216.32, "amount_financed": 12691.56, "sales_tax": 746.56, "total_of_payments": 15574.86, "finance_charge": 2883.3, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260492XAA, VIN KM8J3CA41JU707080. $216 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $11,945, before any dealer documentation fee. Amount financed $12,692, including $747 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $15,575. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51770.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJEHD0T1214681_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 938, "unit": "per_month", "display": "$938/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51770.0, "price_incl_doc": 51770.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 937.89, "amount_financed": 55005.63, "sales_tax": 3235.63, "total_of_payments": 56273.16, "finance_charge": 1267.53, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJEHD0T1214681, VIN JM3KJEHD0T1214681. $938 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $51,770, before any dealer documentation fee. Amount financed $55,006, including $3,236 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $56,273. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD0T1214681_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 817, "unit": "per_month", "display": "$817/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51770.0, "price_incl_doc": 51770.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.54, "amount_financed": 55005.63, "sales_tax": 3235.63, "total_of_payments": 68589.05, "finance_charge": 13583.42, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJEHD0T1214681, VIN JM3KJEHD0T1214681. $817 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,770, before any dealer documentation fee. Amount financed $55,006, including $3,236 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,589. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD0T1214681_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51770.0, "selling_price": 51770.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 732.79, "net_cap_cost": 52365.0, "residual_value": 32097.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 732.79, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 892.79}, "total_of_payments": 26388, "total_of_payments_unrounded": 26380.44}, "disclosure": "Estimated lease payment for stock #JM3KJEHD0T1214681, VIN JM3KJEHD0T1214681. $733 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $893, made up of $733 first payment, $60 title, $100 registration. MSRP $51,770. Lease selling price $51,770. Net capitalized cost $52,365. Residual value $32,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHD0T1214681_lease", "type": "lease", "label": "Lease", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 51770.0, "selling_price": 51770.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 639.5, "net_cap_cost": 49366.0, "residual_value": 32097.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 639.5, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3798.5}, "total_of_payments": 23040, "total_of_payments_unrounded": 23022.0}, "disclosure": "Estimated lease payment for stock #JM3KJEHD0T1214681, VIN JM3KJEHD0T1214681. $640 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,798, made up of $640 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $51,770. Lease selling price $51,770. Net capitalized cost $49,366. Residual value $32,097, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 301}}, {"vin": "7MMVABBM6SN388730", "title": "2025 Mazda CX-50 2.5 S Preferred Package", "year": 2025, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred Package", "decoded_trim": "Preferred", "condition": "used", "price": 29390.0, "msrp": 28977.0, "sale_price": 29390.0, "currency": "USD", "mileage": 2245, "exterior_color": "Machine Gray Metallic", "interior_color": "Ash Ochre", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0920, VIN 7MMVABBM6SN388730. Advertised price: $29,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBM6SN388730_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29390.0, "price_incl_doc": 29390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.22, "amount_financed": 31226.88, "sales_tax": 1836.88, "total_of_payments": 35194.61, "finance_charge": 3967.73, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0920, VIN 7MMVABBM6SN388730. $733 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,390, before any dealer documentation fee. Amount financed $31,227, including $1,837 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,195. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBM6SN388730_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 611, "unit": "per_month", "display": "$611/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29390.0, "price_incl_doc": 29390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 610.84, "amount_financed": 31226.88, "sales_tax": 1836.88, "total_of_payments": 36650.61, "finance_charge": 5423.73, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0920, VIN 7MMVABBM6SN388730. $611 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,390, before any dealer documentation fee. Amount financed $31,227, including $1,837 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,651. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBM6SN388730_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29390.0, "price_incl_doc": 29390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.24, "amount_financed": 31226.88, "sales_tax": 1836.88, "total_of_payments": 38321.09, "finance_charge": 7094.21, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0920, VIN 7MMVABBM6SN388730. $532 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,390, before any dealer documentation fee. Amount financed $31,227, including $1,837 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $38,321. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KKBHD2T1415655", "title": "2026 Mazda CX-90 3.3 Turbo Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 45405.0, "msrp": 45405.0, "sale_price": 45405.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKBHD2T1415655", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKBHD2T1415655_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 45405.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbhd2t1415655/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbhd2t1415655/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKBHD2T1415655.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHD2T1415655.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKBHD2T1415655.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkbhd2t1415655/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKBHD2T1415655, VIN JM3KKBHD2T1415655. Advertised price: $45,405. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$45,405"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45405.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKBHD2T1415655_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 823, "unit": "per_month", "display": "$823/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45405.0, "price_incl_doc": 45405.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.57, "amount_financed": 48242.81, "sales_tax": 2837.81, "total_of_payments": 49354.5, "finance_charge": 1111.69, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKBHD2T1415655, VIN JM3KKBHD2T1415655. $823 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $45,405, before any dealer documentation fee. Amount financed $48,243, including $2,838 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $49,354. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD2T1415655_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 716, "unit": "per_month", "display": "$716/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45405.0, "price_incl_doc": 45405.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 716.15, "amount_financed": 48242.81, "sales_tax": 2837.81, "total_of_payments": 60156.18, "finance_charge": 11913.37, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKBHD2T1415655, VIN JM3KKBHD2T1415655. $716 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,405, before any dealer documentation fee. Amount financed $48,243, including $2,838 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,156. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD2T1415655_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 645, "unit": "per_month", "display": "$645/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45405.0, "selling_price": 45405.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 644.97, "net_cap_cost": 46000.0, "residual_value": 28151.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 644.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 804.97}, "total_of_payments": 23220, "total_of_payments_unrounded": 23218.92}, "disclosure": "Estimated lease payment for stock #JM3KKBHD2T1415655, VIN JM3KKBHD2T1415655. $645 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $805, made up of $645 first payment, $60 title, $100 registration. MSRP $45,405. Lease selling price $45,405. Net capitalized cost $46,000. Residual value $28,151, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,220. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKBHD2T1415655_lease", "type": "lease", "label": "Lease", "headline": {"value": 552, "unit": "per_month", "display": "$552/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45405.0, "selling_price": 45405.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 551.68, "net_cap_cost": 43001.0, "residual_value": 28151.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 551.68, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3710.68}, "total_of_payments": 19872, "total_of_payments_unrounded": 19860.48}, "disclosure": "Estimated lease payment for stock #JM3KKBHD2T1415655, VIN JM3KKBHD2T1415655. $552 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,711, made up of $552 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,405. Lease selling price $45,405. Net capitalized cost $43,001. Residual value $28,151, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,872. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 298}}, {"vin": "7MMVAADW7TN167888", "title": "2026 Mazda CX-50 Hybrid Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 38229.0, "msrp": 40875.0, "sale_price": 38229.0, "currency": "USD", "mileage": 125, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw7tn167888/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAADW7TN167888.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW7TN167888.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW7TN167888.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw7tn167888/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,646. This offer applies to Stock #MD262941X, VIN 7MMVAADW7TN167888. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,875. Advertised price: $38,229. Savings: $2,646, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,875"}, {"label": "Advertised price", "value": "$38,229"}, {"label": "Savings", "value": "$2,646, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,646", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38229.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAADW7TN167888_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 776, "unit": "per_month", "display": "$776/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38229.0, "price_incl_doc": 38229.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 775.67, "amount_financed": 40618.31, "sales_tax": 2389.31, "total_of_payments": 46540.17, "finance_charge": 5921.86, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262941X, VIN 7MMVAADW7TN167888. $776 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,229, before any dealer documentation fee. Amount financed $40,618, including $2,389 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,540. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW7TN167888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 673, "unit": "per_month", "display": "$673/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38229.0, "price_incl_doc": 38229.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 672.97, "amount_financed": 40618.31, "sales_tax": 2389.31, "total_of_payments": 48453.91, "finance_charge": 7835.6, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262941X, VIN 7MMVAADW7TN167888. $673 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,229, before any dealer documentation fee. Amount financed $40,618, including $2,389 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,454. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW7TN167888_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 603, "unit": "per_month", "display": "$603/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38229.0, "price_incl_doc": 38229.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 602.96, "amount_financed": 40618.31, "sales_tax": 2389.31, "total_of_payments": 50648.84, "finance_charge": 10030.53, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262941X, VIN 7MMVAADW7TN167888. $603 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,229, before any dealer documentation fee. Amount financed $40,618, including $2,389 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,649. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW7TN167888_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 500, "unit": "per_month", "display": "$500/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40875.0, "selling_price": 38229.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 500.16, "net_cap_cost": 38824.0, "residual_value": 25342.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 500.16, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 660.16}, "total_of_payments": 18000, "total_of_payments_unrounded": 18005.76}, "disclosure": "Estimated lease payment for stock #MD262941X, VIN 7MMVAADW7TN167888. $500 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $660, made up of $500 first payment, $60 title, $100 registration. MSRP $40,875. Lease selling price $38,229. Net capitalized cost $38,824. Residual value $25,342, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,000. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW7TN167888_lease", "type": "lease", "label": "Lease", "headline": {"value": 407, "unit": "per_month", "display": "$407/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40875.0, "selling_price": 38229.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 406.87, "net_cap_cost": 35825.0, "residual_value": 25342.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 406.87, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3565.87}, "total_of_payments": 14652, "total_of_payments_unrounded": 14647.32}, "disclosure": "Estimated lease payment for stock #MD262941X, VIN 7MMVAADW7TN167888. $407 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,566, made up of $407 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,875. Lease selling price $38,229. Net capitalized cost $35,825. Residual value $25,342, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,652. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 276}}, {"vin": "3MVDMBCL2TM225978", "title": "2026 Mazda CX-30 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred Package/Carbon Edition", "condition": "new", "price": 32330.0, "msrp": 32330.0, "sale_price": 32330.0, "currency": "USD", "mileage": null, "exterior_color": "Snowflake White Pearl Mica", "interior_color": "Black/Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBCL2TM225978", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCL2TM225978_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Preferred Package/Carbon Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32330.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm225978/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm225978/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBCL2TM225978.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL2TM225978.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCL2TM225978.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbcl2tm225978/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBCL2TM225978, VIN 3MVDMBCL2TM225978. Advertised price: $32,330. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,330"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32330.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCL2TM225978_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32330.0, "price_incl_doc": 32330.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 600.59, "amount_financed": 34350.63, "sales_tax": 2020.63, "total_of_payments": 36035.28, "finance_charge": 1684.65, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL2TM225978, VIN 3MVDMBCL2TM225978. $601 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $32,330, before any dealer documentation fee. Amount financed $34,351, including $2,021 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $36,035. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM225978_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32330.0, "price_incl_doc": 32330.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 509.92, "amount_financed": 34350.63, "sales_tax": 2020.63, "total_of_payments": 42833.38, "finance_charge": 8482.75, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCL2TM225978, VIN 3MVDMBCL2TM225978. $510 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,330, before any dealer documentation fee. Amount financed $34,351, including $2,021 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $42,833. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM225978_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 465, "unit": "per_month", "display": "$465/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32330.0, "selling_price": 32330.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 464.57, "net_cap_cost": 32925.0, "residual_value": 20044.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 464.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 624.57}, "total_of_payments": 16740, "total_of_payments_unrounded": 16724.52}, "disclosure": "Estimated lease payment for stock #3MVDMBCL2TM225978, VIN 3MVDMBCL2TM225978. $465 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $625, made up of $465 first payment, $60 title, $100 registration. MSRP $32,330. Lease selling price $32,330. Net capitalized cost $32,925. Residual value $20,045, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,740. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCL2TM225978_lease", "type": "lease", "label": "Lease", "headline": {"value": 371, "unit": "per_month", "display": "$371/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32330.0, "selling_price": 32330.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 371.28, "net_cap_cost": 29926.0, "residual_value": 20044.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 371.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3530.28}, "total_of_payments": 13356, "total_of_payments_unrounded": 13366.08}, "disclosure": "Estimated lease payment for stock #3MVDMBCL2TM225978, VIN 3MVDMBCL2TM225978. $371 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,530, made up of $371 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,330. Lease selling price $32,330. Net capitalized cost $29,926. Residual value $20,045, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 286}}, {"vin": "7MMVAAEW6TN185717", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42595.0, "msrp": 42595.0, "sale_price": 42595.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAAEW6TN185717", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAAEW6TN185717_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42595.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn185717/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn185717/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW6TN185717.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW6TN185717.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW6TN185717.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn185717/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. Advertised price: $42,595. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,595"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42595.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW6TN185717_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 864, "unit": "per_month", "display": "$864/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42595.0, "price_incl_doc": 42595.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 864.26, "amount_financed": 45257.19, "sales_tax": 2662.19, "total_of_payments": 51855.36, "finance_charge": 6598.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. $864 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,595, before any dealer documentation fee. Amount financed $45,257, including $2,662 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,855. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN185717_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 750, "unit": "per_month", "display": "$750/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42595.0, "price_incl_doc": 42595.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 749.83, "amount_financed": 45257.19, "sales_tax": 2662.19, "total_of_payments": 53987.67, "finance_charge": 8730.48, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. $750 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,595, before any dealer documentation fee. Amount financed $45,257, including $2,662 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,988. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN185717_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 672, "unit": "per_month", "display": "$672/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42595.0, "price_incl_doc": 42595.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 671.82, "amount_financed": 45257.19, "sales_tax": 2662.19, "total_of_payments": 56433.27, "finance_charge": 11176.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. $672 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,595, before any dealer documentation fee. Amount financed $45,257, including $2,662 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,433. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN185717_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 606, "unit": "per_month", "display": "$606/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42595.0, "selling_price": 42595.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 606.2, "net_cap_cost": 43190.0, "residual_value": 26408.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 606.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 766.2}, "total_of_payments": 21816, "total_of_payments_unrounded": 21823.2}, "disclosure": "Estimated lease payment for stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. $606 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $766, made up of $606 first payment, $60 title, $100 registration. MSRP $42,595. Lease selling price $42,595. Net capitalized cost $43,190. Residual value $26,409, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,816. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN185717_lease", "type": "lease", "label": "Lease", "headline": {"value": 513, "unit": "per_month", "display": "$513/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42595.0, "selling_price": 42595.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 512.91, "net_cap_cost": 40191.0, "residual_value": 26408.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 512.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3671.91}, "total_of_payments": 18468, "total_of_payments_unrounded": 18464.76}, "disclosure": "Estimated lease payment for stock #7MMVAAEW6TN185717, VIN 7MMVAAEW6TN185717. $513 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,672, made up of $513 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,595. Lease selling price $42,595. Net capitalized cost $40,191. Residual value $26,409, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,468. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 249}}, {"vin": "JM1BPACL8T1891878", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 26555.0, "msrp": 28790.0, "sale_price": 26555.0, "currency": "USD", "mileage": 2, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "SEDAN", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 27, "mpg_hwy": 36, "range_miles": null, "battery_kwh": null, "stock_number": "MD262984", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM1BPACL8T1891878_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28790.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl8t1891878/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl8t1891878/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACL8T1891878.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL8T1891878.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL8T1891878.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl8t1891878/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,235. This offer applies to Stock #MD262984, VIN JM1BPACL8T1891878. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $28,790. Advertised price: $26,555. Savings: $2,235, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$28,790"}, {"label": "Advertised price", "value": "$26,555"}, {"label": "Savings", "value": "$2,235, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,235", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26555.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACL8T1891878_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 539, "unit": "per_month", "display": "$539/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26555.0, "price_incl_doc": 26555.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 538.8, "amount_financed": 28214.69, "sales_tax": 1659.69, "total_of_payments": 32328.19, "finance_charge": 4113.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262984, VIN JM1BPACL8T1891878. $539 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,555, before any dealer documentation fee. Amount financed $28,215, including $1,660 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,328. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL8T1891878_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26555.0, "price_incl_doc": 26555.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 467.47, "amount_financed": 28214.69, "sales_tax": 1659.69, "total_of_payments": 33657.53, "finance_charge": 5442.84, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262984, VIN JM1BPACL8T1891878. $467 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,555, before any dealer documentation fee. Amount financed $28,215, including $1,660 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $33,658. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL8T1891878_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 419, "unit": "per_month", "display": "$419/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26555.0, "price_incl_doc": 26555.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 418.84, "amount_financed": 28214.69, "sales_tax": 1659.69, "total_of_payments": 35182.2, "finance_charge": 6967.51, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262984, VIN JM1BPACL8T1891878. $419 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,555, before any dealer documentation fee. Amount financed $28,215, including $1,660 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,182. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL8T1891878_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 346, "unit": "per_month", "display": "$346/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28790.0, "selling_price": 26555.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 346.2, "net_cap_cost": 27150.0, "residual_value": 17849.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 346.2, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 506.2}, "total_of_payments": 12456, "total_of_payments_unrounded": 12463.2}, "disclosure": "Estimated lease payment for stock #MD262984, VIN JM1BPACL8T1891878. $346 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $506, made up of $346 first payment, $60 title, $100 registration. MSRP $28,790. Lease selling price $26,555. Net capitalized cost $27,150. Residual value $17,850, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,456. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL8T1891878_lease", "type": "lease", "label": "Lease", "headline": {"value": 253, "unit": "per_month", "display": "$253/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28790.0, "selling_price": 26555.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 252.91, "net_cap_cost": 24151.0, "residual_value": 17849.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 252.91, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3411.91}, "total_of_payments": 9108, "total_of_payments_unrounded": 9104.76}, "disclosure": "Estimated lease payment for stock #MD262984, VIN JM1BPACL8T1891878. $253 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,412, made up of $253 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,790. Lease selling price $26,555. Net capitalized cost $24,151. Residual value $17,850, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $9,108. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 261}}, {"vin": "7MMVAADW6TN172998", "title": "2026 Mazda CX-50 Hybrid Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 38273.0, "msrp": 40930.0, "sale_price": 38273.0, "currency": "USD", "mileage": 125, "exterior_color": "Machine Gray Metallic", "interior_color": "Red Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "1-Speed CVT w/OD", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "MD262751X", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAADW6TN172998_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 40930.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw6tn172998/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw6tn172998/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAADW6TN172998.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW6TN172998.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAADW6TN172998.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaadw6tn172998/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,657. This offer applies to Stock #MD262751X, VIN 7MMVAADW6TN172998. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,930. Advertised price: $38,273. Savings: $2,657, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,930"}, {"label": "Advertised price", "value": "$38,273"}, {"label": "Savings", "value": "$2,657, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,657", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38273.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAADW6TN172998_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 777, "unit": "per_month", "display": "$777/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38273.0, "price_incl_doc": 38273.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 776.56, "amount_financed": 40665.06, "sales_tax": 2392.06, "total_of_payments": 46593.73, "finance_charge": 5928.67, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262751X, VIN 7MMVAADW6TN172998. $777 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,273, before any dealer documentation fee. Amount financed $40,665, including $2,392 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,594. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW6TN172998_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 674, "unit": "per_month", "display": "$674/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38273.0, "price_incl_doc": 38273.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 673.75, "amount_financed": 40665.06, "sales_tax": 2392.06, "total_of_payments": 48509.68, "finance_charge": 7844.62, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262751X, VIN 7MMVAADW6TN172998. $674 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,273, before any dealer documentation fee. Amount financed $40,665, including $2,392 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,510. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW6TN172998_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 604, "unit": "per_month", "display": "$604/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38273.0, "price_incl_doc": 38273.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 603.66, "amount_financed": 40665.06, "sales_tax": 2392.06, "total_of_payments": 50707.14, "finance_charge": 10042.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262751X, VIN 7MMVAADW6TN172998. $604 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,273, before any dealer documentation fee. Amount financed $40,665, including $2,392 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,707. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW6TN172998_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 501, "unit": "per_month", "display": "$501/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40930.0, "selling_price": 38273.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 500.57, "net_cap_cost": 38868.0, "residual_value": 25376.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 500.57, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 660.57}, "total_of_payments": 18036, "total_of_payments_unrounded": 18020.52}, "disclosure": "Estimated lease payment for stock #MD262751X, VIN 7MMVAADW6TN172998. $501 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $661, made up of $501 first payment, $60 title, $100 registration. MSRP $40,930. Lease selling price $38,273. Net capitalized cost $38,868. Residual value $25,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,036. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAADW6TN172998_lease", "type": "lease", "label": "Lease", "headline": {"value": 407, "unit": "per_month", "display": "$407/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40930.0, "selling_price": 38273.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 407.28, "net_cap_cost": 35869.0, "residual_value": 25376.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 407.28, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3566.28}, "total_of_payments": 14652, "total_of_payments_unrounded": 14662.08}, "disclosure": "Estimated lease payment for stock #MD262751X, VIN 7MMVAADW6TN172998. $407 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,566, made up of $407 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,930. Lease selling price $38,273. Net capitalized cost $35,869. Residual value $25,377, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,652. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 242}}, {"vin": "3MVDMBCLXTM226117", "title": "2026 Mazda CX-30 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred Package/Carbon Edition", "condition": "new", "price": 31260.0, "msrp": 31260.0, "sale_price": 31260.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black/Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBCLXTM226117", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBCLXTM226117_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Preferred Package/Carbon Edition", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 31260.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbclxtm226117/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbclxtm226117/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBCLXTM226117.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCLXTM226117.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBCLXTM226117.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbclxtm226117/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBCLXTM226117, VIN 3MVDMBCLXTM226117. Advertised price: $31,260. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$31,260"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 31260.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBCLXTM226117_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 581, "unit": "per_month", "display": "$581/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31260.0, "price_incl_doc": 31260.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.71, "amount_financed": 33213.75, "sales_tax": 1953.75, "total_of_payments": 34842.65, "finance_charge": 1628.9, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCLXTM226117, VIN 3MVDMBCLXTM226117. $581 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $31,260, before any dealer documentation fee. Amount financed $33,214, including $1,954 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $34,843. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCLXTM226117_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 493, "unit": "per_month", "display": "$493/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31260.0, "price_incl_doc": 31260.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 493.04, "amount_financed": 33213.75, "sales_tax": 1953.75, "total_of_payments": 41415.75, "finance_charge": 8202.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBCLXTM226117, VIN 3MVDMBCLXTM226117. $493 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,260, before any dealer documentation fee. Amount financed $33,214, including $1,954 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,416. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCLXTM226117_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 450, "unit": "per_month", "display": "$450/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31260.0, "selling_price": 31260.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 449.81, "net_cap_cost": 31855.0, "residual_value": 19381.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 449.81, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 609.81}, "total_of_payments": 16200, "total_of_payments_unrounded": 16193.16}, "disclosure": "Estimated lease payment for stock #3MVDMBCLXTM226117, VIN 3MVDMBCLXTM226117. $450 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $610, made up of $450 first payment, $60 title, $100 registration. MSRP $31,260. Lease selling price $31,260. Net capitalized cost $31,855. Residual value $19,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,200. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBCLXTM226117_lease", "type": "lease", "label": "Lease", "headline": {"value": 357, "unit": "per_month", "display": "$357/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31260.0, "selling_price": 31260.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 356.52, "net_cap_cost": 28856.0, "residual_value": 19381.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 356.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3515.52}, "total_of_payments": 12852, "total_of_payments_unrounded": 12834.72}, "disclosure": "Estimated lease payment for stock #3MVDMBCLXTM226117, VIN 3MVDMBCLXTM226117. $357 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,516, made up of $357 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,260. Lease selling price $31,260. Net capitalized cost $28,856. Residual value $19,381, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,852. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 264}}, {"vin": "KM8SRDHF4HU246029", "title": "2017 Hyundai Santa Fe Limited Ultimate", "year": 2017, "make": "Hyundai", "model": "Santa Fe", "trim": "Limited Ultimate", "decoded_trim": "TOP", "condition": "used", "price": 13412.0, "msrp": 12999.0, "sale_price": 13412.0, "currency": "USD", "mileage": 90384, "exterior_color": "Iron Frost", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GTH6MFP9B8124186_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 253, "unit": "per_month", "display": "$253/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 13977.0, "price_incl_doc": 13977.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 253.12, "amount_financed": 14850.56, "sales_tax": 873.56, "total_of_payments": 18224.35, "finance_charge": 3373.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1055, VIN 1GTH6MFP9B8124186. $253 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $13,977, before any dealer documentation fee. Amount financed $14,851, including $874 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $18,224. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16995.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 47411.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 47411.0, "price_incl_doc": 47411.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 985.39, "amount_financed": 50374.19, "sales_tax": 2963.19, "total_of_payments": 59123.58, "finance_charge": 8749.39, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260583A, VIN KMUMCDTC3PU133020. $985 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $47,411, before any dealer documentation fee. Amount financed $50,374, including $2,963 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $59,124. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_WA1LCBF78PD021082_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 883, "unit": "per_month", "display": "$883/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 882.91, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 42379.63, "finance_charge": 4777.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0549, VIN WA1LCBF78PD021082. $883 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,380. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1LCBF78PD021082_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 736, "unit": "per_month", "display": "$736/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 735.55, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 44132.87, "finance_charge": 6530.99, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0549, VIN WA1LCBF78PD021082. $736 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,133. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_WA1LCBF78PD021082_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.89, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 46144.38, "finance_charge": 8542.5, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0549, VIN WA1LCBF78PD021082. $641 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,144. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "1GYKNDRS2PZ188445", "title": "2023 Cadillac XT5 AWD Premium Luxury", "year": 2023, "make": "Cadillac", "model": "XT5", "trim": "AWD Premium Luxury", "decoded_trim": "Premium Luxury", "condition": "used", "price": 38258.0, "msrp": 37845.0, "sale_price": 38258.0, "currency": "USD", "mileage": 19059, "exterior_color": "Stellar Black Metallic", "interior_color": "Cirrus", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V6 3.6L/222", "engine_displacement_l": 3.6, "engine_cylinders": 6, "transmission": "9-Speed Automatic", "mpg_city": 18, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "VD261884XA", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023CAS06_640/2023CAS062000060_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2023CAS06_640/2023CAS062000060_640_01.jpg"], "vin_decode": {"make": "Cadillac", "model": "XT5", "year": 2023, "trim": "Premium Luxury", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.6L 6-Cylinder V-Shaped", "engine_displacement_l": 3.6, "cylinders": 6, "drive_type": "AWD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37845.0, "monroney_url": "https://ai.castlemazdadownersgrove.com/sticker/1GYKNDRS2PZ188445.pdf", "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gykndrs2pz188445/2023-cadillac-xt5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gykndrs2pz188445/2023-cadillac-xt5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1GYKNDRS2PZ188445.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1GYKNDRS2PZ188445.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1GYKNDRS2PZ188445.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1gykndrs2pz188445/2023-cadillac-xt5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #VD261884XA, VIN 1GYKNDRS2PZ188445. Advertised price: $38,258. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$38,258"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:12Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38258.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GYKNDRS2PZ188445_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 954, "unit": "per_month", "display": "$954/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38258.0, "price_incl_doc": 38258.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 954.46, "amount_financed": 40649.13, "sales_tax": 2391.13, "total_of_payments": 45814.06, "finance_charge": 5164.93, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261884XA, VIN 1GYKNDRS2PZ188445. $954 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $38,258, before any dealer documentation fee. Amount financed $40,649, including $2,391 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $45,814. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS2PZ188445_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 795, "unit": "per_month", "display": "$795/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38258.0, "price_incl_doc": 38258.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 795.16, "amount_financed": 40649.13, "sales_tax": 2391.13, "total_of_payments": 47709.39, "finance_charge": 7060.26, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261884XA, VIN 1GYKNDRS2PZ188445. $795 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $38,258, before any dealer documentation fee. Amount financed $40,649, including $2,391 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $47,709. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GYKNDRS2PZ188445_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 693, "unit": "per_month", "display": "$693/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38258.0, "price_incl_doc": 38258.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 692.83, "amount_financed": 40649.13, "sales_tax": 2391.13, "total_of_payments": 49883.91, "finance_charge": 9234.78, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD261884XA, VIN 1GYKNDRS2PZ188445. $693 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $38,258, before any dealer documentation fee. Amount financed $40,649, including $2,391 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $49,884. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #VD262215A, VIN 5NMJBCAE8PH277094. Advertised price: $24,802. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$24,802"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24802.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5NMJBCAE8PH277094_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 619, "unit": "per_month", "display": "$619/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24802.0, "price_incl_doc": 24802.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 618.76, "amount_financed": 26352.13, "sales_tax": 1550.13, "total_of_payments": 29700.47, "finance_charge": 3348.34, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262215A, VIN 5NMJBCAE8PH277094. $619 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,802, before any dealer documentation fee. Amount financed $26,352, including $1,550 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,700. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCAE8PH277094_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 515, "unit": "per_month", "display": "$515/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24802.0, "price_incl_doc": 24802.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 515.49, "amount_financed": 26352.13, "sales_tax": 1550.13, "total_of_payments": 30929.18, "finance_charge": 4577.05, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262215A, VIN 5NMJBCAE8PH277094. $515 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,802, before any dealer documentation fee. Amount financed $26,352, including $1,550 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,929. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5NMJBCAE8PH277094_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 449, "unit": "per_month", "display": "$449/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24802.0, "price_incl_doc": 24802.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 449.15, "amount_financed": 26352.13, "sales_tax": 1550.13, "total_of_payments": 32338.88, "finance_charge": 5986.75, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #VD262215A, VIN 5NMJBCAE8PH277094. $449 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,802, before any dealer documentation fee. Amount financed $26,352, including $1,550 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,339. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KFBDM2K0529234", "title": "2019 Mazda CX-5 Grand Touring", "year": 2019, "make": "Mazda", "model": "CX-5", "trim": "Grand Touring", "decoded_trim": "Grand Touring", "condition": "used", "price": 19690.0, "msrp": 19277.0, "sale_price": 19690.0, "currency": "USD", "mileage": 97556, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262977A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2019MAS06_640/2019MAS060031_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2019MAS06_640/2019MAS060031_640_01.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2019, "trim": "Grand Touring", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 19277.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm2k0529234/2019-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm2k0529234/2019-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBDM2K0529234.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM2K0529234.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBDM2K0529234.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbdm2k0529234/2019-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262977A, VIN JM3KFBDM2K0529234. Advertised price: $19,690. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$19,690"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19690.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBDM2K0529234_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 491, "unit": "per_month", "display": "$491/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19690.0, "price_incl_doc": 19690.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 491.23, "amount_financed": 20920.63, "sales_tax": 1230.63, "total_of_payments": 23578.83, "finance_charge": 2658.2, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262977A, VIN JM3KFBDM2K0529234. $491 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,690, before any dealer documentation fee. Amount financed $20,921, including $1,231 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,579. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM2K0529234_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 409, "unit": "per_month", "display": "$409/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19690.0, "price_incl_doc": 19690.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 409.24, "amount_financed": 20920.63, "sales_tax": 1230.63, "total_of_payments": 24554.29, "finance_charge": 3633.66, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262977A, VIN JM3KFBDM2K0529234. $409 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,690, before any dealer documentation fee. Amount financed $20,921, including $1,231 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,554. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM2K0529234_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 357, "unit": "per_month", "display": "$357/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19690.0, "price_incl_doc": 19690.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 356.58, "amount_financed": 20920.63, "sales_tax": 1230.63, "total_of_payments": 25673.44, "finance_charge": 4752.81, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262977A, VIN JM3KFBDM2K0529234. $357 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,690, before any dealer documentation fee. Amount financed $20,921, including $1,231 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,673. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KFBEM3S0691923", "title": "2025 Mazda CX-5 2.5 S Premium Plus Package", "year": 2025, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus Package", "decoded_trim": "Premium Plus", "condition": "used", "price": 35390.0, "msrp": 34977.0, "sale_price": 35390.0, "currency": "USD", "mileage": 15317, "exterior_color": "Machine Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 26, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262703A", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025MAS06_640/2025MAS060049_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2025MAS06_640/2025MAS060049_640_01.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2025, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34977.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbem3s0691923/2025-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbem3s0691923/2025-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBEM3S0691923.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBEM3S0691923.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBEM3S0691923.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbem3s0691923/2025-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262703A, VIN JM3KFBEM3S0691923. Advertised price: $35,390. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBEM3S0691923_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 883, "unit": "per_month", "display": "$883/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 882.91, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 42379.63, "finance_charge": 4777.75, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262703A, VIN JM3KFBEM3S0691923. $883 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $42,380. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEM3S0691923_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 736, "unit": "per_month", "display": "$736/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 735.55, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 44132.87, "finance_charge": 6530.99, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262703A, VIN JM3KFBEM3S0691923. $736 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $44,133. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBEM3S0691923_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35390.0, "price_incl_doc": 35390.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.89, "amount_financed": 37601.88, "sales_tax": 2211.88, "total_of_payments": 46144.38, "finance_charge": 8542.5, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262703A, VIN JM3KFBEM3S0691923. $641 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $35,390, before any dealer documentation fee. Amount financed $37,602, including $2,212 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $46,144. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 221}}, {"vin": "3MVDMBBM9RM664727", "title": "2024 Mazda CX-30 2.5 S Select Sport", "year": 2024, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport Package", "condition": "used", "price": 21890.0, "msrp": 21477.0, "sale_price": 21890.0, "currency": "USD", "mileage": 50869, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0926", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2024MAS08_640/2024MAS082027784_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2024MAS08_640/2024MAS082027784_640_01.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2024, "trim": "Select Sport Package", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 21477.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/3mvdmbbm9rm664727/2024-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/3mvdmbbm9rm664727/2024-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBBM9RM664727.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBM9RM664727.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBM9RM664727.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/3mvdmbbm9rm664727/2024-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0926, VIN 3MVDMBBM9RM664727. Advertised price: $21,890. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$21,890"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 21890.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBBM9RM664727_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 546, "unit": "per_month", "display": "$546/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21890.0, "price_incl_doc": 21890.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 546.11, "amount_financed": 23258.13, "sales_tax": 1368.13, "total_of_payments": 26213.34, "finance_charge": 2955.21, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0926, VIN 3MVDMBBM9RM664727. $546 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $21,890, before any dealer documentation fee. Amount financed $23,258, including $1,368 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $26,213. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBM9RM664727_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 455, "unit": "per_month", "display": "$455/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21890.0, "price_incl_doc": 21890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 454.96, "amount_financed": 23258.13, "sales_tax": 1368.13, "total_of_payments": 27297.79, "finance_charge": 4039.66, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0926, VIN 3MVDMBBM9RM664727. $455 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $21,890, before any dealer documentation fee. Amount financed $23,258, including $1,368 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $27,298. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBM9RM664727_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 396, "unit": "per_month", "display": "$396/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 21890.0, "price_incl_doc": 21890.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 396.42, "amount_financed": 23258.13, "sales_tax": 1368.13, "total_of_payments": 28541.98, "finance_charge": 5283.85, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0926, VIN 3MVDMBBM9RM664727. $396 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $21,890, before any dealer documentation fee. Amount financed $23,258, including $1,368 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $28,542. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 24390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24390.0, "price_incl_doc": 24390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 608.48, "amount_financed": 25914.38, "sales_tax": 1524.38, "total_of_payments": 29207.1, "finance_charge": 3292.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262551A, VIN JM3KFBDM5M0491663. $608 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,390, before any dealer documentation fee. Amount financed $25,914, including $1,524 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,207. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBDM5M0491663_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24390.0, "price_incl_doc": 24390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 506.92, "amount_financed": 25914.38, "sales_tax": 1524.38, "total_of_payments": 30415.39, "finance_charge": 4501.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262551A, VIN JM3KFBDM5M0491663. $507 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,390, before any dealer documentation fee. Amount financed $25,914, including $1,524 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $30,415. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24890.0, "price_incl_doc": 24890.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 620.96, "amount_financed": 26445.63, "sales_tax": 1555.63, "total_of_payments": 29805.85, "finance_charge": 3360.22, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1052, VIN 1V2HMPE81PC056888. $621 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,890, before any dealer documentation fee. Amount financed $26,446, including $1,556 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $29,806. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HMPE81PC056888_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 517, "unit": "per_month", "display": "$517/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24890.0, "price_incl_doc": 24890.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 517.32, "amount_financed": 26445.63, "sales_tax": 1555.63, "total_of_payments": 31038.92, "finance_charge": 4593.29, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1052, VIN 1V2HMPE81PC056888. $517 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,890, before any dealer documentation fee. Amount financed $26,446, including $1,556 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,039. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2HMPE81PC056888_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 451, "unit": "per_month", "display": "$451/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 24890.0, "price_incl_doc": 24890.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 450.74, "amount_financed": 26445.63, "sales_tax": 1555.63, "total_of_payments": 32453.62, "finance_charge": 6007.99, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1052, VIN 1V2HMPE81PC056888. $451 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,890, before any dealer documentation fee. Amount financed $26,446, including $1,556 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,454. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "1GCUDEED2RZ244112", "title": "2024 Chevrolet Silverado 1500 RST", "year": 2024, "make": "Chevrolet", "model": "Silverado 1500", "trim": "RST", "decoded_trim": "RST", "condition": "used", "price": 42390.0, "msrp": 41977.0, "sale_price": 42390.0, "currency": "USD", "mileage": 61108, "exterior_color": "Black", "interior_color": "Jet Black", "drivetrain": "4WD", "body_style": "Crew Cab Pickup", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Gas V8 5.3L/325", "engine_displacement_l": 5.3, "engine_cylinders": 8, "transmission": "10-Speed Automatic w/Paddle Shifters", "mpg_city": 15, "mpg_hwy": 20, "range_miles": null, "battery_kwh": null, "stock_number": "HD260388A", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,390"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42390.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GCUDEED2RZ244112_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1058, "unit": "per_month", "display": "$1,058/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42390.0, "price_incl_doc": 42390.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1057.54, "amount_financed": 45039.38, "sales_tax": 2649.38, "total_of_payments": 50762.14, "finance_charge": 5722.76, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260388A, VIN 1GCUDEED2RZ244112. $1,058 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $42,390, before any dealer documentation fee. Amount financed $45,039, including $2,649 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $50,762. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GCUDEED2RZ244112_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 881, "unit": "per_month", "display": "$881/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42390.0, "price_incl_doc": 42390.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.04, "amount_financed": 45039.38, "sales_tax": 2649.38, "total_of_payments": 52862.17, "finance_charge": 7822.79, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260388A, VIN 1GCUDEED2RZ244112. $881 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $42,390, before any dealer documentation fee. Amount financed $45,039, including $2,649 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $52,862. Offer expires 2026-07-31. Estimated for ZIP 60515. 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Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTEBU5JR1G5330178_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27402.0, "price_incl_doc": 27402.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.52, "amount_financed": 29114.63, "sales_tax": 1712.63, "total_of_payments": 34171.49, "finance_charge": 5056.86, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260693AA, VIN JTEBU5JR1G5330178. $570 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $27,402, before any dealer documentation fee. Amount financed $29,115, including $1,713 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $34,171. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JTEBU5JR1G5330178_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 496, "unit": "per_month", "display": "$496/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 27402.0, "price_incl_doc": 27402.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 496.24, "amount_financed": 29114.63, "sales_tax": 1712.63, "total_of_payments": 35728.97, "finance_charge": 6614.34, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD260693AA, VIN JTEBU5JR1G5330178. $496 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $27,402, before any dealer documentation fee. Amount financed $29,115, including $1,713 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $35,729. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1c4rjfbg4nc143718/2022-jeep-grand-cherokee-wk-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1C4RJFBG4NC143718.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1C4RJFBG4NC143718.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1C4RJFBG4NC143718.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1c4rjfbg4nc143718/2022-jeep-grand-cherokee-wk-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,090"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29090.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1C4RJFBG4NC143718_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 726, "unit": "per_month", "display": "$726/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29090.0, "price_incl_doc": 29090.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 725.74, "amount_financed": 30908.13, "sales_tax": 1818.13, "total_of_payments": 34835.36, "finance_charge": 3927.23, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262694A, VIN 1C4RJFBG4NC143718. $726 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,090, before any dealer documentation fee. Amount financed $30,908, including $1,818 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $34,835. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJFBG4NC143718_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 605, "unit": "per_month", "display": "$605/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29090.0, "price_incl_doc": 29090.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 604.61, "amount_financed": 30908.13, "sales_tax": 1818.13, "total_of_payments": 36276.5, "finance_charge": 5368.37, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262694A, VIN 1C4RJFBG4NC143718. $605 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $29,090, before any dealer documentation fee. Amount financed $30,908, including $1,818 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $36,276. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1C4RJFBG4NC143718_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29090.0, "price_incl_doc": 29090.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.8, "amount_financed": 30908.13, "sales_tax": 1818.13, "total_of_payments": 37929.92, "finance_charge": 7021.79, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262694A, VIN 1C4RJFBG4NC143718. $527 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $29,090, before any dealer documentation fee. Amount financed $30,908, including $1,818 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $37,930. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM1GL1VM4J1326855", "title": "2018 Mazda MAZDA6 Touring", "year": 2018, "make": "Mazda", "model": "MAZDA6", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 18190.0, "msrp": 17777.0, "sale_price": 18190.0, "currency": "USD", "mileage": 85518, "exterior_color": "Sonic Silver Metallic", "interior_color": "Black", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 26, "mpg_hwy": 35, "range_miles": null, "battery_kwh": null, "stock_number": "MD262586XXA", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262586XXA, VIN JM1GL1VM4J1326855. Advertised price: $18,190. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$18,190"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 18190.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1GL1VM4J1326855_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 454, "unit": "per_month", "display": "$454/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18190.0, "price_incl_doc": 18190.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 453.8, "amount_financed": 19326.88, "sales_tax": 1136.88, "total_of_payments": 21782.58, "finance_charge": 2455.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262586XXA, VIN JM1GL1VM4J1326855. $454 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $18,190, before any dealer documentation fee. Amount financed $19,327, including $1,137 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $21,783. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1GL1VM4J1326855_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 378, "unit": "per_month", "display": "$378/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18190.0, "price_incl_doc": 18190.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 378.06, "amount_financed": 19326.88, "sales_tax": 1136.88, "total_of_payments": 22683.72, "finance_charge": 3356.84, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262586XXA, VIN JM1GL1VM4J1326855. $378 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $18,190, before any dealer documentation fee. Amount financed $19,327, including $1,137 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $22,684. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1GL1VM4J1326855_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 329, "unit": "per_month", "display": "$329/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 18190.0, "price_incl_doc": 18190.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 329.41, "amount_financed": 19326.88, "sales_tax": 1136.88, "total_of_payments": 23717.61, "finance_charge": 4390.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262586XXA, VIN JM1GL1VM4J1326855. $329 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $18,190, before any dealer documentation fee. Amount financed $19,327, including $1,137 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $23,718. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1g1fd3ds4r0108364/2024-chevrolet-camaro-convertible", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/1G1FD3DS4R0108364.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/1G1FD3DS4R0108364.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/1G1FD3DS4R0108364.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/1g1fd3ds4r0108364/2024-chevrolet-camaro-convertible", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,412"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1FD3DS4R0108364_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 908, "unit": "per_month", "display": "$908/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36412.0, "price_incl_doc": 36412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 908.41, "amount_financed": 38687.75, "sales_tax": 2275.75, "total_of_payments": 43603.47, "finance_charge": 4915.72, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0513A, VIN 1G1FD3DS4R0108364. $908 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $36,412, before any dealer documentation fee. Amount financed $38,688, including $2,276 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $43,603. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1FD3DS4R0108364_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 757, "unit": "per_month", "display": "$757/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36412.0, "price_incl_doc": 36412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 756.79, "amount_financed": 38687.75, "sales_tax": 2275.75, "total_of_payments": 45407.34, "finance_charge": 6719.59, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0513A, VIN 1G1FD3DS4R0108364. $757 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $36,412, before any dealer documentation fee. Amount financed $38,688, including $2,276 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $45,407. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36412.0, "price_incl_doc": 36412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 659.4, "amount_financed": 38687.75, "sales_tax": 2275.75, "total_of_payments": 47476.94, "finance_charge": 8789.19, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0513A, VIN 1G1FD3DS4R0108364. $659 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $36,412, before any dealer documentation fee. Amount financed $38,688, including $2,276 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $47,477. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25920.0, "price_incl_doc": 25920.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 646.65, "amount_financed": 27540.0, "sales_tax": 1620.0, "total_of_payments": 31039.27, "finance_charge": 3499.27, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1010, VIN 1C4RJYB65N8761491. $647 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,920, before any dealer documentation fee. Amount financed $27,540, including $1,620 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $31,039. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31575.0, "price_incl_doc": 31575.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.66, "amount_financed": 33548.44, "sales_tax": 1973.44, "total_of_payments": 38439.56, "finance_charge": 4891.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA5T0184167, VIN JM3KMAHA5T0184167. $641 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $31,575, before any dealer documentation fee. Amount financed $33,548, including $1,973 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $38,440. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA5T0184167_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 556, "unit": "per_month", "display": "$556/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31575.0, "price_incl_doc": 31575.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 555.84, "amount_financed": 33548.44, "sales_tax": 1973.44, "total_of_payments": 40020.21, "finance_charge": 6471.77, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA5T0184167, VIN JM3KMAHA5T0184167. $556 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $31,575, before any dealer documentation fee. Amount financed $33,548, including $1,973 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $40,020. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA5T0184167_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 498, "unit": "per_month", "display": "$498/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 31575.0, "price_incl_doc": 31575.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 498.01, "amount_financed": 33548.44, "sales_tax": 1973.44, "total_of_payments": 41833.09, "finance_charge": 8284.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA5T0184167, VIN JM3KMAHA5T0184167. $498 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $31,575, before any dealer documentation fee. Amount financed $33,548, including $1,973 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $41,833. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA5T0184167_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 454, "unit": "per_month", "display": "$454/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31575.0, "selling_price": 31575.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 454.15, "net_cap_cost": 32170.0, "residual_value": 19576.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 454.15, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 614.15}, "total_of_payments": 16344, "total_of_payments_unrounded": 16349.4}, "disclosure": "Estimated lease payment for stock #JM3KMAHA5T0184167, VIN JM3KMAHA5T0184167. $454 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $614, made up of $454 first payment, $60 title, $100 registration. MSRP $31,575. Lease selling price $31,575. Net capitalized cost $32,170. Residual value $19,576, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,344. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA5T0184167_lease", "type": "lease", "label": "Lease", "headline": {"value": 361, "unit": "per_month", "display": "$361/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 31575.0, "selling_price": 31575.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 360.86, "net_cap_cost": 29171.0, "residual_value": 19576.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 360.86, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3519.86}, "total_of_payments": 12996, "total_of_payments_unrounded": 12990.96}, "disclosure": "Estimated lease payment for stock #JM3KMAHA5T0184167, VIN JM3KMAHA5T0184167. $361 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,520, made up of $361 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $31,575. Lease selling price $31,575. Net capitalized cost $29,171. Residual value $19,576, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,996. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 33, "elapsed_ms": 315}}, {"vin": "JM3KMDHA3T0175310", "title": "2026 Mazda CX-5 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 40125.0, "msrp": 40125.0, "sale_price": 40125.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. Advertised price: $40,125. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$40,125"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40125.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHA3T0175310_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 814, "unit": "per_month", "display": "$814/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40125.0, "price_incl_doc": 40125.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 814.14, "amount_financed": 42632.81, "sales_tax": 2507.81, "total_of_payments": 48848.37, "finance_charge": 6215.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. $814 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,125, before any dealer documentation fee. Amount financed $42,633, including $2,508 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,848. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0175310_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 706, "unit": "per_month", "display": "$706/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40125.0, "price_incl_doc": 40125.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 706.35, "amount_financed": 42632.81, "sales_tax": 2507.81, "total_of_payments": 50857.02, "finance_charge": 8224.21, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. $706 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,125, before any dealer documentation fee. Amount financed $42,633, including $2,508 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $50,857. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0175310_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 633, "unit": "per_month", "display": "$633/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40125.0, "price_incl_doc": 40125.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 632.87, "amount_financed": 42632.81, "sales_tax": 2507.81, "total_of_payments": 53160.81, "finance_charge": 10528.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. $633 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,125, before any dealer documentation fee. Amount financed $42,633, including $2,508 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,161. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0175310_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 572, "unit": "per_month", "display": "$572/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40125.0, "selling_price": 40125.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 572.12, "net_cap_cost": 40720.0, "residual_value": 24877.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 572.12, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 732.12}, "total_of_payments": 20592, "total_of_payments_unrounded": 20596.32}, "disclosure": "Estimated lease payment for stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. $572 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $732, made up of $572 first payment, $60 title, $100 registration. MSRP $40,125. Lease selling price $40,125. Net capitalized cost $40,720. Residual value $24,878, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,592. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA3T0175310_lease", "type": "lease", "label": "Lease", "headline": {"value": 479, "unit": "per_month", "display": "$479/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40125.0, "selling_price": 40125.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 478.83, "net_cap_cost": 37721.0, "residual_value": 24877.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 478.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3637.83}, "total_of_payments": 17244, "total_of_payments_unrounded": 17237.88}, "disclosure": "Estimated lease payment for stock #JM3KMDHA3T0175310, VIN JM3KMDHA3T0175310. $479 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,638, made up of $479 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,125. Lease selling price $40,125. Net capitalized cost $37,721. Residual value $24,878, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,244. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 316}}, {"vin": "5XYZT3LB5HG405810", "title": "2017 Hyundai Santa Fe Sport 2.4L", "year": 2017, "make": "Hyundai", "model": "Santa Fe Sport", "trim": "2.4L", "decoded_trim": "Base", "condition": "used", "price": 10912.0, "msrp": 10499.0, "sale_price": 10810.0, "currency": "USD", "mileage": 114437, "exterior_color": "Serrano Red", "interior_color": "Beige", "drivetrain": "FWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PHD1046A, VIN 5XYZT3LB5HG405810. Advertised price: $10,912. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$10,912"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 10912.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5XYZT3LB5HG405810_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 272, "unit": "per_month", "display": "$272/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10912.0, "price_incl_doc": 10912.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 272.23, "amount_financed": 11594.0, "sales_tax": 682.0, "total_of_payments": 13067.15, "finance_charge": 1473.15, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1046A, VIN 5XYZT3LB5HG405810. $272 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $10,912, before any dealer documentation fee. Amount financed $11,594, including $682 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $13,067. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYZT3LB5HG405810_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 227, "unit": "per_month", "display": "$227/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10912.0, "price_incl_doc": 10912.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 226.8, "amount_financed": 11594.0, "sales_tax": 682.0, "total_of_payments": 13607.74, "finance_charge": 2013.74, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1046A, VIN 5XYZT3LB5HG405810. $227 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $10,912, before any dealer documentation fee. Amount financed $11,594, including $682 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $13,608. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5XYZT3LB5HG405810_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 198, "unit": "per_month", "display": "$198/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 10912.0, "price_incl_doc": 10912.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 197.61, "amount_financed": 11594.0, "sales_tax": 682.0, "total_of_payments": 14227.96, "finance_charge": 2633.96, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1046A, VIN 5XYZT3LB5HG405810. $198 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $10,912, before any dealer documentation fee. Amount financed $11,594, including $682 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $14,228. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM1BPABL2T1895409", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 26965.0, "msrp": 26965.0, "sale_price": 26965.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL2T1895409", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL2T1895409_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26965.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1895409/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1895409/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL2T1895409.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1895409.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL2T1895409.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl2t1895409/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. Advertised price: $26,965. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,965"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26965.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL2T1895409_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.12, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 32827.32, "finance_charge": 4177.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. $547 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,827. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1895409_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 474.68, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 34177.19, "finance_charge": 5526.88, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,177. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1895409_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26965.0, "price_incl_doc": 26965.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.3, "amount_financed": 28650.31, "sales_tax": 1685.31, "total_of_payments": 35725.39, "finance_charge": 7075.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. $425 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,965, before any dealer documentation fee. Amount financed $28,650, including $1,685 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,725. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1895409_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26965.0, "selling_price": 26965.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.55, "net_cap_cost": 27560.0, "residual_value": 16718.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.55, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 550.55}, "total_of_payments": 14076, "total_of_payments_unrounded": 14059.8}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. $391 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $551, made up of $391 first payment, $60 title, $100 registration. MSRP $26,965. Lease selling price $26,965. Net capitalized cost $27,560. Residual value $16,718, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL2T1895409_lease", "type": "lease", "label": "Lease", "headline": {"value": 297, "unit": "per_month", "display": "$297/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26965.0, "selling_price": 26965.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.26, "net_cap_cost": 24561.0, "residual_value": 16718.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.26, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.26}, "total_of_payments": 10692, "total_of_payments_unrounded": 10701.36}, "disclosure": "Estimated lease payment for stock #JM1BPABL2T1895409, VIN JM1BPABL2T1895409. $297 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,456, made up of $297 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,965. Lease selling price $26,965. Net capitalized cost $24,561. Residual value $16,718, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 320}}, {"vin": "7MMVABBL7TN601967", "title": "2026 Mazda CX-50 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 32715.0, "msrp": 34615.0, "sale_price": 32715.0, "currency": "USD", "mileage": 25, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl7tn601967/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABBL7TN601967.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL7TN601967.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABBL7TN601967.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabbl7tn601967/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,900. This offer applies to Stock #MD262845X, VIN 7MMVABBL7TN601967. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,615. Advertised price: $32,715. Savings: $1,900, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,615"}, {"label": "Advertised price", "value": "$32,715"}, {"label": "Savings", "value": "$1,900, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,900", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32715.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABBL7TN601967_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 664, "unit": "per_month", "display": "$664/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32715.0, "price_incl_doc": 32715.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 663.79, "amount_financed": 34759.69, "sales_tax": 2044.69, "total_of_payments": 39827.4, "finance_charge": 5067.71, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262845X, VIN 7MMVABBL7TN601967. $664 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,715, before any dealer documentation fee. Amount financed $34,760, including $2,045 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,827. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN601967_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 576, "unit": "per_month", "display": "$576/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32715.0, "price_incl_doc": 32715.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 575.9, "amount_financed": 34759.69, "sales_tax": 2044.69, "total_of_payments": 41465.12, "finance_charge": 6705.43, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262845X, VIN 7MMVABBL7TN601967. $576 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,715, before any dealer documentation fee. Amount financed $34,760, including $2,045 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,465. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN601967_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 516, "unit": "per_month", "display": "$516/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32715.0, "price_incl_doc": 32715.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 515.99, "amount_financed": 34759.69, "sales_tax": 2044.69, "total_of_payments": 43343.46, "finance_charge": 8583.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262845X, VIN 7MMVABBL7TN601967. $516 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,715, before any dealer documentation fee. Amount financed $34,760, including $2,045 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,343. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN601967_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 437, "unit": "per_month", "display": "$437/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34615.0, "selling_price": 32715.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.99, "net_cap_cost": 33310.0, "residual_value": 21461.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.99, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 596.99}, "total_of_payments": 15732, "total_of_payments_unrounded": 15731.64}, "disclosure": "Estimated lease payment for stock #MD262845X, VIN 7MMVABBL7TN601967. $437 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $597, made up of $437 first payment, $60 title, $100 registration. MSRP $34,615. Lease selling price $32,715. Net capitalized cost $33,310. Residual value $21,461, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,732. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABBL7TN601967_lease", "type": "lease", "label": "Lease", "headline": {"value": 344, "unit": "per_month", "display": "$344/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34615.0, "selling_price": 32715.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 343.7, "net_cap_cost": 30311.0, "residual_value": 21461.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 343.7, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3502.7}, "total_of_payments": 12384, "total_of_payments_unrounded": 12373.2}, "disclosure": "Estimated lease payment for stock #MD262845X, VIN 7MMVABBL7TN601967. $344 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,503, made up of $344 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,615. Lease selling price $32,715. Net capitalized cost $30,311. Residual value $21,461, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,384. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 309}}, {"vin": "JM3KMDHAXT0159637", "title": "2026 Mazda CX-5 2.5 S Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium AWD", "decoded_trim": "Premium", "condition": "new", "price": 38674.0, "msrp": 39830.0, "sale_price": 38674.0, "currency": "USD", "mileage": 150, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "MD262702X", "stock_status": "Available", "availability": "In Stock", 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdhaxt0159637/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMDHAXT0159637.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMDHAXT0159637.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMDHAXT0159637.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmdhaxt0159637/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,156. This offer applies to Stock #MD262702X, VIN JM3KMDHAXT0159637. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $39,830. Advertised price: $38,674. Savings: $1,156, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$39,830"}, {"label": "Advertised price", "value": "$38,674"}, {"label": "Savings", "value": "$1,156, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,156", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38674.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHAXT0159637_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 785, "unit": "per_month", "display": "$785/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38674.0, "price_incl_doc": 38674.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 784.7, "amount_financed": 41091.13, "sales_tax": 2417.13, "total_of_payments": 47081.92, "finance_charge": 5990.79, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262702X, VIN JM3KMDHAXT0159637. $785 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,674, before any dealer documentation fee. Amount financed $41,091, including $2,417 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,082. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHAXT0159637_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 681, "unit": "per_month", "display": "$681/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38674.0, "price_incl_doc": 38674.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 680.8, "amount_financed": 41091.13, "sales_tax": 2417.13, "total_of_payments": 49017.94, "finance_charge": 7926.81, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262702X, VIN JM3KMDHAXT0159637. $681 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,674, before any dealer documentation fee. Amount financed $41,091, including $2,417 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,018. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHAXT0159637_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 610, "unit": "per_month", "display": "$610/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38674.0, "price_incl_doc": 38674.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 609.98, "amount_financed": 41091.13, "sales_tax": 2417.13, "total_of_payments": 51238.42, "finance_charge": 10147.29, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262702X, VIN JM3KMDHAXT0159637. $610 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,674, before any dealer documentation fee. Amount financed $41,091, including $2,417 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $51,238. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHAXT0159637_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39830.0, "selling_price": 38674.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 532.09, "net_cap_cost": 39269.0, "residual_value": 24694.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 532.09, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 692.09}, "total_of_payments": 19152, "total_of_payments_unrounded": 19155.24}, "disclosure": "Estimated lease payment for stock #MD262702X, VIN JM3KMDHAXT0159637. $532 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $692, made up of $532 first payment, $60 title, $100 registration. MSRP $39,830. Lease selling price $38,674. Net capitalized cost $39,269. Residual value $24,695, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,152. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHAXT0159637_lease", "type": "lease", "label": "Lease", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39830.0, "selling_price": 38674.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 438.8, "net_cap_cost": 36270.0, "residual_value": 24694.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 438.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3597.8}, "total_of_payments": 15804, "total_of_payments_unrounded": 15796.8}, "disclosure": "Estimated lease payment for stock #MD262702X, VIN JM3KMDHAXT0159637. $439 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,598, made up of $439 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,830. Lease selling price $38,674. Net capitalized cost $36,270. Residual value $24,695, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262918, VIN 7MMVABEY1TN609117. Advertised price: $45,500. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$45,500"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 45500.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY1TN609117_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 923, "unit": "per_month", "display": "$923/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45500.0, "price_incl_doc": 45500.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 923.2, "amount_financed": 48343.75, "sales_tax": 2843.75, "total_of_payments": 55391.92, "finance_charge": 7048.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262918, VIN 7MMVABEY1TN609117. $923 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $45,500, before any dealer documentation fee. Amount financed $48,344, including $2,844 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $55,392. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY1TN609117_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 801, "unit": "per_month", "display": "$801/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45500.0, "price_incl_doc": 45500.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 800.97, "amount_financed": 48343.75, "sales_tax": 2843.75, "total_of_payments": 57669.65, "finance_charge": 9325.9, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262918, VIN 7MMVABEY1TN609117. $801 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $45,500, before any dealer documentation fee. Amount financed $48,344, including $2,844 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $57,670. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY1TN609117_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 718, "unit": "per_month", "display": "$718/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 45500.0, "price_incl_doc": 45500.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 717.64, "amount_financed": 48343.75, "sales_tax": 2843.75, "total_of_payments": 60282.05, "finance_charge": 11938.3, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262918, VIN 7MMVABEY1TN609117. $718 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $45,500, before any dealer documentation fee. Amount financed $48,344, including $2,844 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $60,282. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY1TN609117_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45500.0, "selling_price": 45500.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 646.28, "net_cap_cost": 46095.0, "residual_value": 28210.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 646.28, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 806.28}, "total_of_payments": 23256, "total_of_payments_unrounded": 23266.08}, "disclosure": "Estimated lease payment for stock #MD262918, VIN 7MMVABEY1TN609117. $646 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $806, made up of $646 first payment, $60 title, $100 registration. MSRP $45,500. Lease selling price $45,500. Net capitalized cost $46,095. Residual value $28,210, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,256. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY1TN609117_lease", "type": "lease", "label": "Lease", "headline": {"value": 553, "unit": "per_month", "display": "$553/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45500.0, "selling_price": 45500.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 552.99, "net_cap_cost": 43096.0, "residual_value": 28210.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 552.99, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3711.99}, "total_of_payments": 19908, "total_of_payments_unrounded": 19907.64}, "disclosure": "Estimated lease payment for stock #MD262918, VIN 7MMVABEY1TN609117. $553 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,712, made up of $553 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,500. Lease selling price $45,500. Net capitalized cost $43,096. Residual value $28,210, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,908. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 311}}, {"vin": "3MVDMBDY0TM119894", "title": "2026 Mazda CX-30 2.5 Turbo Aire Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 Turbo Aire Edition AWD", "decoded_trim": "Premium Package", "condition": "new", "price": 34765.0, "msrp": 36805.0, "sale_price": 34765.0, "currency": "USD", "mileage": 5, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "White/Gray Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": 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{"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbdy0tm119894/2026-mazda-cx-30-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBDY0TM119894.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBDY0TM119894.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBDY0TM119894.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbdy0tm119894/2026-mazda-cx-30-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,040. This offer applies to Stock #MD262425, VIN 3MVDMBDY0TM119894. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,805. Advertised price: $34,765. Savings: $2,040, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$36,805"}, {"label": "Advertised price", "value": "$34,765"}, {"label": "Savings", "value": "$2,040, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,040", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34765.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBDY0TM119894_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 646, "unit": "per_month", "display": "$646/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34765.0, "price_incl_doc": 34765.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 645.82, "amount_financed": 36937.81, "sales_tax": 2172.81, "total_of_payments": 38749.34, "finance_charge": 1811.53, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262425, VIN 3MVDMBDY0TM119894. $646 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $34,765, before any dealer documentation fee. Amount financed $36,938, including $2,173 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $38,749. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY0TM119894_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 548, "unit": "per_month", "display": "$548/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34765.0, "price_incl_doc": 34765.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 548.33, "amount_financed": 36937.81, "sales_tax": 2172.81, "total_of_payments": 46059.46, "finance_charge": 9121.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262425, VIN 3MVDMBDY0TM119894. $548 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,765, before any dealer documentation fee. Amount financed $36,938, including $2,173 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $46,059. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY0TM119894_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36805.0, "selling_price": 34765.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 462.85, "net_cap_cost": 35360.0, "residual_value": 22819.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 462.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 622.85}, "total_of_payments": 16668, "total_of_payments_unrounded": 16662.6}, "disclosure": "Estimated lease payment for stock #MD262425, VIN 3MVDMBDY0TM119894. $463 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $623, made up of $463 first payment, $60 title, $100 registration. MSRP $36,805. Lease selling price $34,765. Net capitalized cost $35,360. Residual value $22,819, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,668. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDY0TM119894_lease", "type": "lease", "label": "Lease", "headline": {"value": 370, "unit": "per_month", "display": "$370/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36805.0, "selling_price": 34765.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 369.56, "net_cap_cost": 32361.0, "residual_value": 22819.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 369.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3528.56}, "total_of_payments": 13320, "total_of_payments_unrounded": 13304.16}, "disclosure": "Estimated lease payment for stock #MD262425, VIN 3MVDMBDY0TM119894. $370 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,529, made up of $370 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,805. Lease selling price $34,765. Net capitalized cost $32,361. Residual value $22,819, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 316}}, {"vin": "JM1BPABL8T1895382", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Select Sport", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Select Sport", "decoded_trim": "Select Sport", "condition": "new", "price": 26975.0, "msrp": 26975.0, "sale_price": 26975.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 27, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPABL8T1895382", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPABL8T1895382_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Select Sport", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 26975.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895382/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895382/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPABL8T1895382.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL8T1895382.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPABL8T1895382.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpabl8t1895382/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. Advertised price: $26,975. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$26,975"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 26975.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPABL8T1895382_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 547, "unit": "per_month", "display": "$547/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 547.32, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 32839.5, "finance_charge": 4178.56, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. $547 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $32,840. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895382_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 475, "unit": "per_month", "display": "$475/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 474.86, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 34189.87, "finance_charge": 5528.93, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. $475 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $34,190. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895382_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 425, "unit": "per_month", "display": "$425/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 26975.0, "price_incl_doc": 26975.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 425.46, "amount_financed": 28660.94, "sales_tax": 1685.94, "total_of_payments": 35738.65, "finance_charge": 7077.71, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. $425 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $26,975, before any dealer documentation fee. Amount financed $28,661, including $1,686 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $35,739. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895382_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26975.0, "selling_price": 26975.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.69, "net_cap_cost": 27570.0, "residual_value": 16724.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.69, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 550.69}, "total_of_payments": 14076, "total_of_payments_unrounded": 14064.84}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. $391 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $551, made up of $391 first payment, $60 title, $100 registration. MSRP $26,975. Lease selling price $26,975. Net capitalized cost $27,570. Residual value $16,724, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPABL8T1895382_lease", "type": "lease", "label": "Lease", "headline": {"value": 297, "unit": "per_month", "display": "$297/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 26975.0, "selling_price": 26975.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 297.4, "net_cap_cost": 24571.0, "residual_value": 16724.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 297.4, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3456.4}, "total_of_payments": 10692, "total_of_payments_unrounded": 10706.4}, "disclosure": "Estimated lease payment for stock #JM1BPABL8T1895382, VIN JM1BPABL8T1895382. $297 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,456, made up of $297 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $26,975. Lease selling price $26,975. Net capitalized cost $24,571. Residual value $16,724, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 318}}, {"vin": "JM3KMCHA8T0206626", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36165.0, "msrp": 36165.0, "sale_price": 36165.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA8T0206626", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA8T0206626_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36165.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0206626/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0206626/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA8T0206626.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0206626.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA8T0206626.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha8t0206626/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. Advertised price: $36,165. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,165"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36165.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA8T0206626_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 734, "unit": "per_month", "display": "$734/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.79, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 44027.44, "finance_charge": 5602.13, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. $734 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,027. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0206626_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 636.64, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 45837.86, "finance_charge": 7412.55, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. $637 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,838. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0206626_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36165.0, "price_incl_doc": 36165.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 570.41, "amount_financed": 38425.31, "sales_tax": 2260.31, "total_of_payments": 47914.29, "finance_charge": 9488.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. $570 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,165, before any dealer documentation fee. Amount financed $38,425, including $2,260 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,914. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0206626_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 517, "unit": "per_month", "display": "$517/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36165.0, "selling_price": 36165.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 517.48, "net_cap_cost": 36760.0, "residual_value": 22422.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 517.48, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 677.48}, "total_of_payments": 18612, "total_of_payments_unrounded": 18629.28}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. $517 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $677, made up of $517 first payment, $60 title, $100 registration. MSRP $36,165. Lease selling price $36,165. Net capitalized cost $36,760. Residual value $22,422, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,612. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA8T0206626_lease", "type": "lease", "label": "Lease", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36165.0, "selling_price": 36165.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 424.19, "net_cap_cost": 33761.0, "residual_value": 22422.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 424.19, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3583.19}, "total_of_payments": 15264, "total_of_payments_unrounded": 15270.84}, "disclosure": "Estimated lease payment for stock #JM3KMCHA8T0206626, VIN JM3KMCHA8T0206626. $424 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,583, made up of $424 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,165. Lease selling price $36,165. Net capitalized cost $33,761. Residual value $22,422, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,264. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 341}}, {"vin": "JM3KMBHA4T0206584", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 34480.0, "msrp": 34480.0, "sale_price": 34480.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMBHA4T0206584", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMBHA4T0206584_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Select", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34480.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0206584/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0206584/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA4T0206584.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0206584.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA4T0206584.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha4t0206584/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. Advertised price: $34,480. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,480"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34480.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA4T0206584_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 700, "unit": "per_month", "display": "$700/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34480.0, "price_incl_doc": 34480.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 699.6, "amount_financed": 36635.0, "sales_tax": 2155.0, "total_of_payments": 41976.12, "finance_charge": 5341.12, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. $700 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $34,480, before any dealer documentation fee. Amount financed $36,635, including $2,155 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,976. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0206584_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 607, "unit": "per_month", "display": "$607/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34480.0, "price_incl_doc": 34480.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 606.97, "amount_financed": 36635.0, "sales_tax": 2155.0, "total_of_payments": 43702.19, "finance_charge": 7067.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. $607 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $34,480, before any dealer documentation fee. Amount financed $36,635, including $2,155 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $43,702. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0206584_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 544, "unit": "per_month", "display": "$544/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34480.0, "price_incl_doc": 34480.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 543.83, "amount_financed": 36635.0, "sales_tax": 2155.0, "total_of_payments": 45681.87, "finance_charge": 9046.87, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. $544 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $34,480, before any dealer documentation fee. Amount financed $36,635, including $2,155 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $45,682. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0206584_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34480.0, "selling_price": 34480.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 494.23, "net_cap_cost": 35075.0, "residual_value": 21377.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 494.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 654.23}, "total_of_payments": 17784, "total_of_payments_unrounded": 17792.28}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. $494 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $654, made up of $494 first payment, $60 title, $100 registration. MSRP $34,480. Lease selling price $34,480. Net capitalized cost $35,075. Residual value $21,378, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA4T0206584_lease", "type": "lease", "label": "Lease", "headline": {"value": 401, "unit": "per_month", "display": "$401/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34480.0, "selling_price": 34480.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 400.94, "net_cap_cost": 32076.0, "residual_value": 21377.6, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 400.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3559.94}, "total_of_payments": 14436, "total_of_payments_unrounded": 14433.84}, "disclosure": "Estimated lease payment for stock #JM3KMBHA4T0206584, VIN JM3KMBHA4T0206584. $401 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,560, made up of $401 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,480. Lease selling price $34,480. Net capitalized cost $32,076. Residual value $21,378, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,436. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 335}}, {"vin": "JM3KMCHA7T0208304", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 37155.0, "msrp": 37155.0, "sale_price": 37155.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Pure White Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA7T0208304", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA7T0208304_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 37155.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha7t0208304/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha7t0208304/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA7T0208304.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA7T0208304.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA7T0208304.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha7t0208304/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. Advertised price: $37,155. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,155"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37155.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA7T0208304_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37155.0, "price_incl_doc": 37155.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 753.88, "amount_financed": 39477.19, "sales_tax": 2322.19, "total_of_payments": 45232.68, "finance_charge": 5755.49, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. $754 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,155, before any dealer documentation fee. Amount financed $39,477, including $2,322 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,233. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0208304_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 654, "unit": "per_month", "display": "$654/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37155.0, "price_incl_doc": 37155.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 654.06, "amount_financed": 39477.19, "sales_tax": 2322.19, "total_of_payments": 47092.66, "finance_charge": 7615.47, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. $654 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,155, before any dealer documentation fee. Amount financed $39,477, including $2,322 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,093. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0208304_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 586, "unit": "per_month", "display": "$586/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37155.0, "price_incl_doc": 37155.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 586.02, "amount_financed": 39477.19, "sales_tax": 2322.19, "total_of_payments": 49225.93, "finance_charge": 9748.74, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. $586 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,155, before any dealer documentation fee. Amount financed $39,477, including $2,322 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,226. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0208304_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37155.0, "selling_price": 37155.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 531.14, "net_cap_cost": 37750.0, "residual_value": 23036.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 531.14, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 691.14}, "total_of_payments": 19116, "total_of_payments_unrounded": 19121.04}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. $531 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $691, made up of $531 first payment, $60 title, $100 registration. MSRP $37,155. Lease selling price $37,155. Net capitalized cost $37,750. Residual value $23,036, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,116. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0208304_lease", "type": "lease", "label": "Lease", "headline": {"value": 438, "unit": "per_month", "display": "$438/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 37155.0, "selling_price": 37155.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 437.85, "net_cap_cost": 34751.0, "residual_value": 23036.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 437.85, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3596.85}, "total_of_payments": 15768, "total_of_payments_unrounded": 15762.6}, "disclosure": "Estimated lease payment for stock #JM3KMCHA7T0208304, VIN JM3KMCHA7T0208304. $438 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,597, made up of $438 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $37,155. Lease selling price $37,155. Net capitalized cost $34,751. Residual value $23,036, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,768. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 334}}, {"vin": "JM3KFBCL9H0154086", "title": "2017 Mazda CX-5 Touring", "year": 2017, "make": "Mazda", "model": "CX-5", "trim": "Touring", "decoded_trim": "Touring", "condition": "used", "price": 17190.0, "msrp": 16777.0, "sale_price": 17190.0, "currency": "USD", "mileage": 91558, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "HD261106XA", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 1, "primary_image": "https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2017MAS060009_640/2017MAS060009_640_01.jpg", "images": ["https://content.homenetiol.com/2000157/2065512/0x0/stock_images/5/2017MAS060009_640/2017MAS060009_640_01.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2017, "trim": "Touring", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 16777.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbcl9h0154086/2017-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbcl9h0154086/2017-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KFBCL9H0154086.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBCL9H0154086.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KFBCL9H0154086.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/jm3kfbcl9h0154086/2017-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD261106XA, VIN JM3KFBCL9H0154086. Advertised price: $17,190. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$17,190"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 17190.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KFBCL9H0154086_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 429, "unit": "per_month", "display": "$429/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17190.0, "price_incl_doc": 17190.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 428.86, "amount_financed": 18264.38, "sales_tax": 1074.38, "total_of_payments": 20585.08, "finance_charge": 2320.7, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261106XA, VIN JM3KFBCL9H0154086. $429 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $17,190, before any dealer documentation fee. Amount financed $18,264, including $1,074 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,585. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCL9H0154086_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 357, "unit": "per_month", "display": "$357/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17190.0, "price_incl_doc": 17190.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 357.28, "amount_financed": 18264.38, "sales_tax": 1074.38, "total_of_payments": 21436.68, "finance_charge": 3172.3, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261106XA, VIN JM3KFBCL9H0154086. $357 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $17,190, before any dealer documentation fee. Amount financed $18,264, including $1,074 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $21,437. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KFBCL9H0154086_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 311, "unit": "per_month", "display": "$311/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 17190.0, "price_incl_doc": 17190.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 311.3, "amount_financed": 18264.38, "sales_tax": 1074.38, "total_of_payments": 22413.73, "finance_charge": 4149.35, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD261106XA, VIN JM3KFBCL9H0154086. $311 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $17,190, before any dealer documentation fee. Amount financed $18,264, including $1,074 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $22,414. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KMCHA0T0173637", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36120.0, "msrp": 36120.0, "sale_price": 36120.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA0T0173637", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHA0T0173637_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36120.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0173637/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0173637/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA0T0173637.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA0T0173637.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA0T0173637.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0173637/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. Advertised price: $36,120. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,120"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36120.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA0T0173637_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 733, "unit": "per_month", "display": "$733/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36120.0, "price_incl_doc": 36120.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 732.88, "amount_financed": 38377.5, "sales_tax": 2257.5, "total_of_payments": 43972.66, "finance_charge": 5595.16, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. $733 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,120, before any dealer documentation fee. Amount financed $38,378, including $2,258 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,973. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0173637_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 636, "unit": "per_month", "display": "$636/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36120.0, "price_incl_doc": 36120.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 635.84, "amount_financed": 38377.5, "sales_tax": 2257.5, "total_of_payments": 45780.83, "finance_charge": 7403.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. $636 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,120, before any dealer documentation fee. Amount financed $38,378, including $2,258 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,781. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0173637_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 570, "unit": "per_month", "display": "$570/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36120.0, "price_incl_doc": 36120.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 569.7, "amount_financed": 38377.5, "sales_tax": 2257.5, "total_of_payments": 47854.67, "finance_charge": 9477.17, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. $570 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,120, before any dealer documentation fee. Amount financed $38,378, including $2,258 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,855. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0173637_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 517, "unit": "per_month", "display": "$517/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36120.0, "selling_price": 36120.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 516.86, "net_cap_cost": 36715.0, "residual_value": 22394.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 516.86, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 676.86}, "total_of_payments": 18612, "total_of_payments_unrounded": 18606.96}, "disclosure": "Estimated lease payment for stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. $517 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $677, made up of $517 first payment, $60 title, $100 registration. MSRP $36,120. Lease selling price $36,120. Net capitalized cost $36,715. Residual value $22,394, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,612. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0173637_lease", "type": "lease", "label": "Lease", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36120.0, "selling_price": 36120.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 423.57, "net_cap_cost": 33716.0, "residual_value": 22394.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 423.57, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3582.57}, "total_of_payments": 15264, "total_of_payments_unrounded": 15248.52}, "disclosure": "Estimated lease payment for stock #JM3KMCHA0T0173637, VIN JM3KMCHA0T0173637. $424 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,583, made up of $424 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,120. Lease selling price $36,120. Net capitalized cost $33,716. Residual value $22,394, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,264. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 355}}, {"vin": "3MVDMBBL0TM137951", "title": "2026 Mazda CX-30 2.5 S Select Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Select Sport AWD", "decoded_trim": "Select Sport", "condition": "new", "price": 28322.0, "msrp": 30165.0, "sale_price": 28322.0, "currency": "USD", "mileage": 55, "exterior_color": "Aero Gray Metallic", "interior_color": "Black/Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", 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"Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl0tm137951/2026-mazda-cx-30-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBBL0TM137951.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL0TM137951.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL0TM137951.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl0tm137951/2026-mazda-cx-30-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,843. This offer applies to Stock #MD262746X, VIN 3MVDMBBL0TM137951. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $30,165. Advertised price: $28,322. Savings: $1,843, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$30,165"}, {"label": "Advertised price", "value": "$28,322"}, {"label": "Savings", "value": "$1,843, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,843", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28322.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBBL0TM137951_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28322.0, "price_incl_doc": 28322.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 526.13, "amount_financed": 30092.13, "sales_tax": 1770.13, "total_of_payments": 31567.93, "finance_charge": 1475.8, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262746X, VIN 3MVDMBBL0TM137951. $526 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $28,322, before any dealer documentation fee. Amount financed $30,092, including $1,770 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $31,568. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL0TM137951_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 447, "unit": "per_month", "display": "$447/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28322.0, "price_incl_doc": 28322.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 446.71, "amount_financed": 30092.13, "sales_tax": 1770.13, "total_of_payments": 37523.26, "finance_charge": 7431.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262746X, VIN 3MVDMBBL0TM137951. $447 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,322, before any dealer documentation fee. Amount financed $30,092, including $1,770 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $37,523. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL0TM137951_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 377, "unit": "per_month", "display": "$377/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30165.0, "selling_price": 28322.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 377.37, "net_cap_cost": 28917.0, "residual_value": 18702.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 377.37, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 537.37}, "total_of_payments": 13572, "total_of_payments_unrounded": 13585.32}, "disclosure": "Estimated lease payment for stock #MD262746X, VIN 3MVDMBBL0TM137951. $377 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $537, made up of $377 first payment, $60 title, $100 registration. MSRP $30,165. Lease selling price $28,322. Net capitalized cost $28,917. Residual value $18,702, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,572. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL0TM137951_lease", "type": "lease", "label": "Lease", "headline": {"value": 284, "unit": "per_month", "display": "$284/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30165.0, "selling_price": 28322.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 284.08, "net_cap_cost": 25918.0, "residual_value": 18702.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 284.08, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3443.08}, "total_of_payments": 10224, "total_of_payments_unrounded": 10226.88}, "disclosure": "Estimated lease payment for stock #MD262746X, VIN 3MVDMBBL0TM137951. $284 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,443, made up of $284 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $30,165. Lease selling price $28,322. Net capitalized cost $25,918. Residual value $18,702, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $10,224. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 328}}, {"vin": "KNDPMCAC3M7928251", "title": "2021 Kia Sportage LX", "year": 2021, "make": "Kia", "model": "Sportage", "trim": "LX", "decoded_trim": "LX", "condition": "used", "price": 16045.0, "msrp": 15632.0, "sale_price": null, "currency": "USD", "mileage": null, "exterior_color": "Snow White Pearl", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.4 L/144", "engine_displacement_l": 2.4, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 21, "mpg_hwy": 25, "range_miles": null, "battery_kwh": null, "stock_number": "PDM0915", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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"https://www.castlemazdadownersgrove.com/viewdetails/used/kndpmcac3m7928251/2021-kia-sportage-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kndpmcac3m7928251/2021-kia-sportage-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KNDPMCAC3M7928251.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KNDPMCAC3M7928251.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KNDPMCAC3M7928251.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kndpmcac3m7928251/2021-kia-sportage-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDM0915, VIN KNDPMCAC3M7928251. Advertised price: $16,045. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,045"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16045.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KNDPMCAC3M7928251_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 400, "unit": "per_month", "display": "$400/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16045.0, "price_incl_doc": 16045.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 400.29, "amount_financed": 17047.81, "sales_tax": 1002.81, "total_of_payments": 19213.93, "finance_charge": 2166.12, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0915, VIN KNDPMCAC3M7928251. $400 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,045, before any dealer documentation fee. Amount financed $17,048, including $1,003 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $19,214. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPMCAC3M7928251_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 333, "unit": "per_month", "display": "$333/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16045.0, "price_incl_doc": 16045.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 333.48, "amount_financed": 17047.81, "sales_tax": 1002.81, "total_of_payments": 20008.81, "finance_charge": 2961.0, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0915, VIN KNDPMCAC3M7928251. $333 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,045, before any dealer documentation fee. Amount financed $17,048, including $1,003 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,009. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KNDPMCAC3M7928251_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 291, "unit": "per_month", "display": "$291/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16045.0, "price_incl_doc": 16045.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 290.57, "amount_financed": 17047.81, "sales_tax": 1002.81, "total_of_payments": 20920.78, "finance_charge": 3872.97, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0915, VIN KNDPMCAC3M7928251. $291 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,045, before any dealer documentation fee. Amount financed $17,048, including $1,003 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $20,921. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "7MMVABEY6TN606777", "title": "2026 Mazda CX-50 2.5 Turbo Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42844.0, "msrp": 45605.0, "sale_price": 42844.0, "currency": "USD", "mileage": 7, "exterior_color": "Zircon Sand Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "MD262887", "stock_status": "Available", "availability": "In Stock", 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Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey6tn606777/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABEY6TN606777.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY6TN606777.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY6TN606777.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey6tn606777/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,761. This offer applies to Stock #MD262887, VIN 7MMVABEY6TN606777. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $45,605. Advertised price: $42,844. Savings: $2,761, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$45,605"}, {"label": "Advertised price", "value": "$42,844"}, {"label": "Savings", "value": "$2,761, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,761", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42844.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY6TN606777_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 869, "unit": "per_month", "display": "$869/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42844.0, "price_incl_doc": 42844.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 869.31, "amount_financed": 45521.75, "sales_tax": 2677.75, "total_of_payments": 52158.49, "finance_charge": 6636.74, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262887, VIN 7MMVABEY6TN606777. $869 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,844, before any dealer documentation fee. Amount financed $45,522, including $2,678 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,158. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY6TN606777_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 754, "unit": "per_month", "display": "$754/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42844.0, "price_incl_doc": 42844.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 754.21, "amount_financed": 45521.75, "sales_tax": 2677.75, "total_of_payments": 54303.26, "finance_charge": 8781.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262887, VIN 7MMVABEY6TN606777. $754 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,844, before any dealer documentation fee. Amount financed $45,522, including $2,678 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,303. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY6TN606777_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 676, "unit": "per_month", "display": "$676/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42844.0, "price_incl_doc": 42844.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 675.75, "amount_financed": 45521.75, "sales_tax": 2677.75, "total_of_payments": 56763.17, "finance_charge": 11241.42, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262887, VIN 7MMVABEY6TN606777. $676 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,844, before any dealer documentation fee. Amount financed $45,522, including $2,678 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,763. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY6TN606777_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 562, "unit": "per_month", "display": "$562/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45605.0, "selling_price": 42844.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 561.84, "net_cap_cost": 43439.0, "residual_value": 28275.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 561.84, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 721.84}, "total_of_payments": 20232, "total_of_payments_unrounded": 20226.24}, "disclosure": "Estimated lease payment for stock #MD262887, VIN 7MMVABEY6TN606777. $562 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $722, made up of $562 first payment, $60 title, $100 registration. MSRP $45,605. Lease selling price $42,844. Net capitalized cost $43,439. Residual value $28,275, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,232. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY6TN606777_lease", "type": "lease", "label": "Lease", "headline": {"value": 469, "unit": "per_month", "display": "$469/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 45605.0, "selling_price": 42844.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 468.55, "net_cap_cost": 40440.0, "residual_value": 28275.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 468.55, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3627.55}, "total_of_payments": 16884, "total_of_payments_unrounded": 16867.8}, "disclosure": "Estimated lease payment for stock #MD262887, VIN 7MMVABEY6TN606777. $469 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,628, made up of $469 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $45,605. Lease selling price $42,844. Net capitalized cost $40,440. Residual value $28,275, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,884. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmtg34ta1pu116085/2023-genesis-g70-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/KMTG34TA1PU116085.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/KMTG34TA1PU116085.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/KMTG34TA1PU116085.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/kmtg34ta1pu116085/2023-genesis-g70-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0539, VIN KMTG34TA1PU116085. Advertised price: $34,604. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,604"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:13Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34604.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_KMTG34TA1PU116085_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 863, "unit": "per_month", "display": "$863/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34604.0, "price_incl_doc": 34604.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 863.3, "amount_financed": 36766.75, "sales_tax": 2162.75, "total_of_payments": 41438.38, "finance_charge": 4671.63, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0539, VIN KMTG34TA1PU116085. $863 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,604, before any dealer documentation fee. Amount financed $36,767, including $2,163 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,438. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMTG34TA1PU116085_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 719, "unit": "per_month", "display": "$719/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34604.0, "price_incl_doc": 34604.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 719.21, "amount_financed": 36766.75, "sales_tax": 2162.75, "total_of_payments": 43152.69, "finance_charge": 6385.94, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0539, VIN KMTG34TA1PU116085. $719 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,604, before any dealer documentation fee. Amount financed $36,767, including $2,163 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,153. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_KMTG34TA1PU116085_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 627, "unit": "per_month", "display": "$627/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34604.0, "price_incl_doc": 34604.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 626.66, "amount_financed": 36766.75, "sales_tax": 2162.75, "total_of_payments": 45119.52, "finance_charge": 8352.77, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0539, VIN KMTG34TA1PU116085. $627 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,604, before any dealer documentation fee. Amount financed $36,767, including $2,163 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,120. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 280}}, {"vin": "JM3KMEHA0T0187744", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 42325.0, "msrp": 42325.0, "sale_price": 42475.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA0T0187744", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0187744_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 42325.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0187744/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0187744/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA0T0187744.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA0T0187744.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA0T0187744.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0187744/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. Advertised price: $42,325. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$42,325"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 42325.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA0T0187744_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 859, "unit": "per_month", "display": "$859/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42325.0, "price_incl_doc": 42325.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 858.78, "amount_financed": 44970.31, "sales_tax": 2645.31, "total_of_payments": 51526.66, "finance_charge": 6556.35, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. $859 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $42,325, before any dealer documentation fee. Amount financed $44,970, including $2,645 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $51,527. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0187744_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 745, "unit": "per_month", "display": "$745/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42325.0, "price_incl_doc": 42325.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 745.08, "amount_financed": 44970.31, "sales_tax": 2645.31, "total_of_payments": 53645.45, "finance_charge": 8675.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. $745 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $42,325, before any dealer documentation fee. Amount financed $44,970, including $2,645 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $53,645. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0187744_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 668, "unit": "per_month", "display": "$668/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 42325.0, "price_incl_doc": 42325.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 667.57, "amount_financed": 44970.31, "sales_tax": 2645.31, "total_of_payments": 56075.55, "finance_charge": 11105.24, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. $668 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $42,325, before any dealer documentation fee. Amount financed $44,970, including $2,645 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $56,076. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0187744_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 602, "unit": "per_month", "display": "$602/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42325.0, "selling_price": 42325.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 602.47, "net_cap_cost": 42920.0, "residual_value": 26241.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 602.47, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 762.47}, "total_of_payments": 21672, "total_of_payments_unrounded": 21688.92}, "disclosure": "Estimated lease payment for stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. $602 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $762, made up of $602 first payment, $60 title, $100 registration. MSRP $42,325. Lease selling price $42,325. Net capitalized cost $42,920. Residual value $26,242, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,672. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0187744_lease", "type": "lease", "label": "Lease", "headline": {"value": 509, "unit": "per_month", "display": "$509/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 42325.0, "selling_price": 42325.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 509.18, "net_cap_cost": 39921.0, "residual_value": 26241.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 509.18, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3668.18}, "total_of_payments": 18324, "total_of_payments_unrounded": 18330.48}, "disclosure": "Estimated lease payment for stock #JM3KMEHA0T0187744, VIN JM3KMEHA0T0187744. $509 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,668, made up of $509 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $42,325. Lease selling price $42,325. Net capitalized cost $39,921. Residual value $26,242, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,324. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 355}}, {"vin": "KM8SRDHF0GU133631", "title": "2016 Hyundai Santa Fe Limited", "year": 2016, "make": "Hyundai", "model": "Santa Fe", "trim": "Limited", "decoded_trim": "TOP", "condition": "used", "price": 11112.0, "msrp": 10699.0, "sale_price": 10960.0, "currency": "USD", "mileage": 113605, "exterior_color": "Circuit Silver", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha0t0150181/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,030. This offer applies to Stock #NRMD262833, VIN JM3KMCHA0T0150181. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $36,885. Advertised price: $35,855. Savings: $1,030, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$36,885"}, {"label": "Advertised price", "value": "$35,855"}, {"label": "Savings", "value": "$1,030, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,030", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35855.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA0T0150181_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 728, "unit": "per_month", "display": "$728/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35855.0, "price_incl_doc": 35855.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 727.5, "amount_financed": 38095.94, "sales_tax": 2240.94, "total_of_payments": 43650.05, "finance_charge": 5554.11, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262833, VIN JM3KMCHA0T0150181. $728 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $35,855, before any dealer documentation fee. Amount financed $38,096, including $2,241 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $43,650. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0150181_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 631, "unit": "per_month", "display": "$631/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35855.0, "price_incl_doc": 35855.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 631.18, "amount_financed": 38095.94, "sales_tax": 2240.94, "total_of_payments": 45444.95, "finance_charge": 7349.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262833, VIN JM3KMCHA0T0150181. $631 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $35,855, before any dealer documentation fee. Amount financed $38,096, including $2,241 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $45,445. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0150181_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35855.0, "price_incl_doc": 35855.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 565.52, "amount_financed": 38095.94, "sales_tax": 2240.94, "total_of_payments": 47503.58, "finance_charge": 9407.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262833, VIN JM3KMCHA0T0150181. $566 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,855, before any dealer documentation fee. Amount financed $38,096, including $2,241 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,504. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0150181_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 495, "unit": "per_month", "display": "$495/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36885.0, "selling_price": 35855.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 495.38, "net_cap_cost": 36450.0, "residual_value": 22868.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 495.38, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 655.38}, "total_of_payments": 17820, "total_of_payments_unrounded": 17833.68}, "disclosure": "Estimated lease payment for stock #NRMD262833, VIN JM3KMCHA0T0150181. $495 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $655, made up of $495 first payment, $60 title, $100 registration. MSRP $36,885. Lease selling price $35,855. Net capitalized cost $36,450. Residual value $22,869, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,820. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA0T0150181_lease", "type": "lease", "label": "Lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36885.0, "selling_price": 35855.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 402.08, "net_cap_cost": 33451.0, "residual_value": 22868.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 402.08, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3561.08}, "total_of_payments": 14472, "total_of_payments_unrounded": 14474.88}, "disclosure": "Estimated lease payment for stock #NRMD262833, VIN JM3KMCHA0T0150181. $402 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,561, made up of $402 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,885. Lease selling price $35,855. Net capitalized cost $33,451. Residual value $22,869, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxyxtn491128/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABXYXTN491128.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXYXTN491128.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXYXTN491128.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxyxtn491128/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,698. This offer applies to Stock #NRMD262785, VIN 7MMVABXYXTN491128. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $43,105. Advertised price: $40,407. Savings: $2,698, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$43,105"}, {"label": "Advertised price", "value": "$40,407"}, {"label": "Savings", "value": "$2,698, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,698", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40407.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXYXTN491128_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 820, "unit": "per_month", "display": "$820/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40407.0, "price_incl_doc": 40407.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 819.86, "amount_financed": 42932.44, "sales_tax": 2525.44, "total_of_payments": 49191.68, "finance_charge": 6259.24, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262785, VIN 7MMVABXYXTN491128. $820 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,407, before any dealer documentation fee. Amount financed $42,932, including $2,525 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,192. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXYXTN491128_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 711, "unit": "per_month", "display": "$711/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40407.0, "price_incl_doc": 40407.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 711.31, "amount_financed": 42932.44, "sales_tax": 2525.44, "total_of_payments": 51214.45, "finance_charge": 8282.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262785, VIN 7MMVABXYXTN491128. $711 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,407, before any dealer documentation fee. Amount financed $42,932, including $2,525 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,214. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXYXTN491128_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 637, "unit": "per_month", "display": "$637/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40407.0, "price_incl_doc": 40407.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 637.31, "amount_financed": 42932.44, "sales_tax": 2525.44, "total_of_payments": 53534.44, "finance_charge": 10602.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262785, VIN 7MMVABXYXTN491128. $637 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,407, before any dealer documentation fee. Amount financed $42,932, including $2,525 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,534. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXYXTN491128_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 529, "unit": "per_month", "display": "$529/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43105.0, "selling_price": 40407.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 529.31, "net_cap_cost": 41002.0, "residual_value": 26725.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 529.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 689.31}, "total_of_payments": 19044, "total_of_payments_unrounded": 19055.16}, "disclosure": "Estimated lease payment for stock #NRMD262785, VIN 7MMVABXYXTN491128. $529 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $689, made up of $529 first payment, $60 title, $100 registration. MSRP $43,105. Lease selling price $40,407. Net capitalized cost $41,002. Residual value $26,725, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $19,044. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXYXTN491128_lease", "type": "lease", "label": "Lease", "headline": {"value": 436, "unit": "per_month", "display": "$436/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43105.0, "selling_price": 40407.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 436.02, "net_cap_cost": 38003.0, "residual_value": 26725.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 436.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3595.02}, "total_of_payments": 15696, "total_of_payments_unrounded": 15696.72}, "disclosure": "Estimated lease payment for stock #NRMD262785, VIN 7MMVABXYXTN491128. $436 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,595, made up of $436 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,105. Lease selling price $40,407. Net capitalized cost $38,003. Residual value $26,725, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,696. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262937, VIN JM3KMCHA7T0170931. Advertised price: $36,385. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,385"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36385.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA7T0170931_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 738, "unit": "per_month", "display": "$738/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 738.25, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 44295.27, "finance_charge": 5636.21, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262937, VIN JM3KMCHA7T0170931. $738 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,295. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0170931_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 641, "unit": "per_month", "display": "$641/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.51, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 46116.71, "finance_charge": 7457.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262937, VIN JM3KMCHA7T0170931. $641 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,117. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0170931_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36385.0, "price_incl_doc": 36385.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.88, "amount_financed": 38659.06, "sales_tax": 2274.06, "total_of_payments": 48205.76, "finance_charge": 9546.7, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262937, VIN JM3KMCHA7T0170931. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,385, before any dealer documentation fee. Amount financed $38,659, including $2,274 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,206. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0170931_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36385.0, "selling_price": 36385.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 520.52, "net_cap_cost": 36980.0, "residual_value": 22558.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.52, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 680.52}, "total_of_payments": 18756, "total_of_payments_unrounded": 18738.72}, "disclosure": "Estimated lease payment for stock #MD262937, VIN JM3KMCHA7T0170931. $521 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $681, made up of $521 first payment, $60 title, $100 registration. MSRP $36,385. Lease selling price $36,385. Net capitalized cost $36,980. Residual value $22,559, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,756. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA7T0170931_lease", "type": "lease", "label": "Lease", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36385.0, "selling_price": 36385.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.23, "net_cap_cost": 33981.0, "residual_value": 22558.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.23, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.23}, "total_of_payments": 15372, "total_of_payments_unrounded": 15380.28}, "disclosure": "Estimated lease payment for stock #MD262937, VIN JM3KMCHA7T0170931. $427 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,586, made up of $427 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,385. Lease selling price $36,385. Net capitalized cost $33,981. Residual value $22,559, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,372. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0108030/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0108030/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA8T0108030.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0108030.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA8T0108030.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha8t0108030/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,031. This offer applies to Stock #MD262809X, VIN JM3KMBHA8T0108030. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,910. Advertised price: $33,879. Savings: $1,031, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,910"}, {"label": "Advertised price", "value": "$33,879"}, {"label": "Savings", "value": "$1,031, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,031", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33879.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA8T0108030_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33879.0, "price_incl_doc": 33879.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.41, "amount_financed": 35996.44, "sales_tax": 2117.44, "total_of_payments": 41244.46, "finance_charge": 5248.02, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262809X, VIN JM3KMBHA8T0108030. $687 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,879, before any dealer documentation fee. Amount financed $35,996, including $2,117 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,244. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0108030_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33879.0, "price_incl_doc": 33879.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.4, "amount_financed": 35996.44, "sales_tax": 2117.44, "total_of_payments": 42940.44, "finance_charge": 6944.0, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262809X, VIN JM3KMBHA8T0108030. $596 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,879, before any dealer documentation fee. Amount financed $35,996, including $2,117 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,940. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0108030_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 534, "unit": "per_month", "display": "$534/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33879.0, "price_incl_doc": 33879.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 534.35, "amount_financed": 35996.44, "sales_tax": 2117.44, "total_of_payments": 44885.62, "finance_charge": 8889.18, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262809X, VIN JM3KMBHA8T0108030. $534 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,879, before any dealer documentation fee. Amount financed $35,996, including $2,117 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,886. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0108030_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 468, "unit": "per_month", "display": "$468/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34910.0, "selling_price": 33879.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 468.1, "net_cap_cost": 34474.0, "residual_value": 21644.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 468.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 628.1}, "total_of_payments": 16848, "total_of_payments_unrounded": 16851.6}, "disclosure": "Estimated lease payment for stock #MD262809X, VIN JM3KMBHA8T0108030. $468 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $628, made up of $468 first payment, $60 title, $100 registration. MSRP $34,910. Lease selling price $33,879. Net capitalized cost $34,474. Residual value $21,644, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,848. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA8T0108030_lease", "type": "lease", "label": "Lease", "headline": {"value": 375, "unit": "per_month", "display": "$375/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34910.0, "selling_price": 33879.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 374.8, "net_cap_cost": 31475.0, "residual_value": 21644.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 374.8, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3533.8}, "total_of_payments": 13500, "total_of_payments_unrounded": 13492.8}, "disclosure": "Estimated lease payment for stock #MD262809X, VIN JM3KMBHA8T0108030. $375 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,534, made up of $375 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,910. Lease selling price $33,879. Net capitalized cost $31,475. Residual value $21,644, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,500. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 346}}, {"vin": "JM1BPACLXT1897522", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 28840.0, "msrp": 28840.0, "sale_price": 28840.0, "currency": "USD", "mileage": null, "exterior_color": "Platinum Quartz Metallic", "interior_color": "Black Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPACLXT1897522", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACLXT1897522_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 28840.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1897522/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1897522/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACLXT1897522.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACLXT1897522.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACLXT1897522.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpaclxt1897522/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. Advertised price: $28,840. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$28,840"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 28840.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACLXT1897522_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 585, "unit": "per_month", "display": "$585/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28840.0, "price_incl_doc": 28840.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 585.17, "amount_financed": 30642.5, "sales_tax": 1802.5, "total_of_payments": 35109.96, "finance_charge": 4467.46, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. $585 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,840, before any dealer documentation fee. Amount financed $30,642, including $1,802 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,110. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1897522_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 508, "unit": "per_month", "display": "$508/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28840.0, "price_incl_doc": 28840.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 507.69, "amount_financed": 30642.5, "sales_tax": 1802.5, "total_of_payments": 36553.69, "finance_charge": 5911.19, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. $508 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,840, before any dealer documentation fee. Amount financed $30,642, including $1,802 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $36,554. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1897522_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 455, "unit": "per_month", "display": "$455/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 28840.0, "price_incl_doc": 28840.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 454.88, "amount_financed": 30642.5, "sales_tax": 1802.5, "total_of_payments": 38209.54, "finance_charge": 7567.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. $455 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,840, before any dealer documentation fee. Amount financed $30,642, including $1,802 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,210. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1897522_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 416, "unit": "per_month", "display": "$416/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28840.0, "selling_price": 28840.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 416.42, "net_cap_cost": 29435.0, "residual_value": 17880.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 416.42, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 576.42}, "total_of_payments": 14976, "total_of_payments_unrounded": 14991.12}, "disclosure": "Estimated lease payment for stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. $416 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $576, made up of $416 first payment, $60 title, $100 registration. MSRP $28,840. Lease selling price $28,840. Net capitalized cost $29,435. Residual value $17,881, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,976. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACLXT1897522_lease", "type": "lease", "label": "Lease", "headline": {"value": 323, "unit": "per_month", "display": "$323/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 28840.0, "selling_price": 28840.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 323.13, "net_cap_cost": 26436.0, "residual_value": 17880.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 323.13, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3482.13}, "total_of_payments": 11628, "total_of_payments_unrounded": 11632.68}, "disclosure": "Estimated lease payment for stock #JM1BPACLXT1897522, VIN JM1BPACLXT1897522. $323 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,482, made up of $323 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,840. Lease selling price $28,840. Net capitalized cost $26,436. Residual value $17,881, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,628. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 340}}, {"vin": "JM3KMBHA2T0163394", "title": "2026 Mazda CX-5 2.5 S Select AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Select AWD", "decoded_trim": "Select", "condition": "new", "price": 33427.0, "msrp": 34345.0, "sale_price": 33427.0, "currency": "USD", "mileage": 7, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 34345.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha2t0163394/2026-mazda-cx-5-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha2t0163394/2026-mazda-cx-5-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMBHA2T0163394.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA2T0163394.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMBHA2T0163394.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmbha2t0163394/2026-mazda-cx-5-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $918. This offer applies to Stock #MD262892, VIN JM3KMBHA2T0163394. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $34,345. Advertised price: $33,427. Savings: $918, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$34,345"}, {"label": "Advertised price", "value": "$33,427"}, {"label": "Savings", "value": "$918, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $918", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA2T0163394_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 678, "unit": "per_month", "display": "$678/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 678.24, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 40694.2, "finance_charge": 5178.01, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262892, VIN JM3KMBHA2T0163394. $678 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,694. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0163394_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 588, "unit": "per_month", "display": "$588/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 588.44, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 42367.55, "finance_charge": 6851.36, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262892, VIN JM3KMBHA2T0163394. $588 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,368. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0163394_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 527, "unit": "per_month", "display": "$527/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33427.0, "price_incl_doc": 33427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 527.22, "amount_financed": 35516.19, "sales_tax": 2089.19, "total_of_payments": 44286.77, "finance_charge": 8770.58, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262892, VIN JM3KMBHA2T0163394. $527 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,427, before any dealer documentation fee. Amount financed $35,516, including $2,089 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,287. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0163394_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 464, "unit": "per_month", "display": "$464/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34345.0, "selling_price": 33427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 463.82, "net_cap_cost": 34022.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 463.82, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 623.82}, "total_of_payments": 16704, "total_of_payments_unrounded": 16697.52}, "disclosure": "Estimated lease payment for stock #MD262892, VIN JM3KMBHA2T0163394. $464 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $624, made up of $464 first payment, $60 title, $100 registration. MSRP $34,345. Lease selling price $33,427. Net capitalized cost $34,022. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,704. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0163394_lease", "type": "lease", "label": "Lease", "headline": {"value": 371, "unit": "per_month", "display": "$371/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 34345.0, "selling_price": 33427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 370.52, "net_cap_cost": 31023.0, "residual_value": 21293.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 370.52, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3529.52}, "total_of_payments": 13356, "total_of_payments_unrounded": 13338.72}, "disclosure": "Estimated lease payment for stock #MD262892, VIN JM3KMBHA2T0163394. $371 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,530, made up of $371 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $34,345. Lease selling price $33,427. Net capitalized cost $31,023. Residual value $21,294, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,356. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "7MMVAAEW6TN180873", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 43455.0, "msrp": 43455.0, "sale_price": 43455.0, "currency": "USD", "mileage": null, "exterior_color": "Soul Red Crystal Metallic", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAAEW6TN180873", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/7MMVAAEW6TN180873_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 43455.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn180873/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn180873/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW6TN180873.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW6TN180873.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW6TN180873.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew6tn180873/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. Advertised price: $43,455. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,455"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43455.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW6TN180873_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 882, "unit": "per_month", "display": "$882/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.71, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 52902.33, "finance_charge": 6731.39, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. $882 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,902. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN180873_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 765, "unit": "per_month", "display": "$765/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.97, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 55077.69, "finance_charge": 8906.75, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. $765 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,078. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN180873_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 685, "unit": "per_month", "display": "$685/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43455.0, "price_incl_doc": 43455.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 685.39, "amount_financed": 46170.94, "sales_tax": 2715.94, "total_of_payments": 57572.67, "finance_charge": 11401.73, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,455, before any dealer documentation fee. Amount financed $46,171, including $2,716 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,573. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN180873_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 618, "unit": "per_month", "display": "$618/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43455.0, "selling_price": 43455.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 618.06, "net_cap_cost": 44050.0, "residual_value": 26942.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 618.06, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 778.06}, "total_of_payments": 22248, "total_of_payments_unrounded": 22250.16}, "disclosure": "Estimated lease payment for stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. $618 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $778, made up of $618 first payment, $60 title, $100 registration. MSRP $43,455. Lease selling price $43,455. Net capitalized cost $44,050. Residual value $26,942, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,248. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW6TN180873_lease", "type": "lease", "label": "Lease", "headline": {"value": 525, "unit": "per_month", "display": "$525/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43455.0, "selling_price": 43455.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 524.77, "net_cap_cost": 41051.0, "residual_value": 26942.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.77, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3683.77}, "total_of_payments": 18900, "total_of_payments_unrounded": 18891.72}, "disclosure": "Estimated lease payment for stock #7MMVAAEW6TN180873, VIN 7MMVAAEW6TN180873. $525 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,684, made up of $525 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,455. Lease selling price $43,455. Net capitalized cost $41,051. Residual value $26,942, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,900. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 327}}, {"vin": "JM3KKEHC7T1386887", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 55462.0, "msrp": 60085.0, "sale_price": 55462.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,623. This offer applies to Stock #MD262706, VIN JM3KKEHC7T1386887. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $60,085. Advertised price: $55,462. Savings: $4,623, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$60,085"}, {"label": "Advertised price", "value": "$55,462"}, {"label": "Savings", "value": "$4,623, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,623", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55462.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC7T1386887_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1005, "unit": "per_month", "display": "$1,005/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55462.0, "price_incl_doc": 55462.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1004.77, "amount_financed": 58928.38, "sales_tax": 3466.38, "total_of_payments": 60286.3, "finance_charge": 1357.92, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262706, VIN JM3KKEHC7T1386887. $1,005 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,462, before any dealer documentation fee. Amount financed $58,928, including $3,466 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,286. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386887_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 875, "unit": "per_month", "display": "$875/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55462.0, "price_incl_doc": 55462.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 874.77, "amount_financed": 58928.38, "sales_tax": 3466.38, "total_of_payments": 73480.51, "finance_charge": 14552.13, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262706, VIN JM3KKEHC7T1386887. $875 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,462, before any dealer documentation fee. Amount financed $58,928, including $3,466 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,481. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386887_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 704, "unit": "per_month", "display": "$704/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60085.0, "selling_price": 55462.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 703.7, "net_cap_cost": 56057.0, "residual_value": 37252.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 703.7, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 863.7}, "total_of_payments": 25344, "total_of_payments_unrounded": 25333.2}, "disclosure": "Estimated lease payment for stock #MD262706, VIN JM3KKEHC7T1386887. $704 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $864, made up of $704 first payment, $60 title, $100 registration. MSRP $60,085. Lease selling price $55,462. Net capitalized cost $56,057. Residual value $37,253, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,344. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC7T1386887_lease", "type": "lease", "label": "Lease", "headline": {"value": 610, "unit": "per_month", "display": "$610/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60085.0, "selling_price": 55462.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 610.41, "net_cap_cost": 53058.0, "residual_value": 37252.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 610.41, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3769.41}, "total_of_payments": 21960, "total_of_payments_unrounded": 21974.76}, "disclosure": "Estimated lease payment for stock #MD262706, VIN JM3KKEHC7T1386887. $610 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,769, made up of $610 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $60,085. 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See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29381.0, "price_incl_doc": 29381.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 733.0, "amount_financed": 31217.31, "sales_tax": 1836.31, "total_of_payments": 35183.82, "finance_charge": 3966.51, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #GD260446XA, VIN 1GYFZFR49PF103458. $733 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $29,381, before any dealer documentation fee. Amount financed $31,217, including $1,836 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $35,184. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.49, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 41069.16, "finance_charge": 5225.72, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA2T0186383, VIN JM3KMBHA2T0186383. $684 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $41,069. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0186383_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 594, "unit": "per_month", "display": "$594/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.86, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 42757.93, "finance_charge": 6914.49, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA2T0186383, VIN JM3KMBHA2T0186383. $594 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,758. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0186383_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 532, "unit": "per_month", "display": "$532/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33735.0, "price_incl_doc": 33735.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 532.08, "amount_financed": 35843.44, "sales_tax": 2108.44, "total_of_payments": 44694.84, "finance_charge": 8851.4, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA2T0186383, VIN JM3KMBHA2T0186383. $532 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,735, before any dealer documentation fee. Amount financed $35,843, including $2,108 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,695. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0186383_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 33735.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 483.96, "net_cap_cost": 34330.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 483.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 643.96}, "total_of_payments": 17424, "total_of_payments_unrounded": 17422.56}, "disclosure": "Estimated lease payment for stock #JM3KMBHA2T0186383, VIN JM3KMBHA2T0186383. $484 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $644, made up of $484 first payment, $60 title, $100 registration. MSRP $33,735. Lease selling price $33,735. Net capitalized cost $34,330. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,424. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA2T0186383_lease", "type": "lease", "label": "Lease", "headline": {"value": 391, "unit": "per_month", "display": "$391/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33735.0, "selling_price": 33735.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 390.66, "net_cap_cost": 31331.0, "residual_value": 20915.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 390.66, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3549.66}, "total_of_payments": 14076, "total_of_payments_unrounded": 14063.76}, "disclosure": "Estimated lease payment for stock #JM3KMBHA2T0186383, VIN JM3KMBHA2T0186383. $391 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,550, made up of $391 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,735. Lease selling price $33,735. Net capitalized cost $31,331. Residual value $20,916, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "3MVDMBBL7TM223841", "title": "2026 Mazda CX-30 2.5 S Select Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Select Sport AWD", "decoded_trim": "Select Sport", "condition": "new", "price": 30490.0, "msrp": 30490.0, "sale_price": 30490.0, "currency": "USD", "mileage": null, "exterior_color": "Aero Gray Metallic", "interior_color": "Black/Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 33, "range_miles": null, "battery_kwh": null, "stock_number": "3MVDMBBL7TM223841", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBBL7TM223841_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Select Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 30490.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl7tm223841/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl7tm223841/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBBL7TM223841.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL7TM223841.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBBL7TM223841.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbbl7tm223841/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #3MVDMBBL7TM223841, VIN 3MVDMBBL7TM223841. Advertised price: $30,490. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$30,490"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30490.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBBL7TM223841_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30490.0, "price_incl_doc": 30490.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 566.41, "amount_financed": 32395.63, "sales_tax": 1905.63, "total_of_payments": 33984.4, "finance_charge": 1588.77, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBBL7TM223841, VIN 3MVDMBBL7TM223841. $566 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $30,490, before any dealer documentation fee. Amount financed $32,396, including $1,906 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $33,984. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL7TM223841_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 481, "unit": "per_month", "display": "$481/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30490.0, "price_incl_doc": 30490.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 480.9, "amount_financed": 32395.63, "sales_tax": 1905.63, "total_of_payments": 40395.6, "finance_charge": 7999.97, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #3MVDMBBL7TM223841, VIN 3MVDMBBL7TM223841. $481 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,490, before any dealer documentation fee. Amount financed $32,396, including $1,906 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $40,396. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL7TM223841_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 439, "unit": "per_month", "display": "$439/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30490.0, "selling_price": 30490.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 439.18, "net_cap_cost": 31085.0, "residual_value": 18903.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 439.18, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 599.18}, "total_of_payments": 15804, "total_of_payments_unrounded": 15810.48}, "disclosure": "Estimated lease payment for stock #3MVDMBBL7TM223841, VIN 3MVDMBBL7TM223841. $439 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $599, made up of $439 first payment, $60 title, $100 registration. MSRP $30,490. Lease selling price $30,490. Net capitalized cost $31,085. Residual value $18,904, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,804. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBBL7TM223841_lease", "type": "lease", "label": "Lease", "headline": {"value": 346, "unit": "per_month", "display": "$346/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 30490.0, "selling_price": 30490.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 345.89, "net_cap_cost": 28086.0, "residual_value": 18903.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 345.89, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3504.89}, "total_of_payments": 12456, "total_of_payments_unrounded": 12452.04}, "disclosure": "Estimated lease payment for stock #3MVDMBBL7TM223841, VIN 3MVDMBBL7TM223841. $346 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,505, made up of $346 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $30,490. Lease selling price $30,490. Net capitalized cost $28,086. Residual value $18,904, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,456. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 305}}, {"vin": "JM3KKDHC9T1391003", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Sport AWD", "decoded_trim": "S-Premium Sport", "condition": "new", "price": 52973.0, "msrp": 57725.0, "sale_price": 52973.0, "currency": "USD", "mileage": 7, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc9t1391003/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKDHC9T1391003.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC9T1391003.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC9T1391003.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc9t1391003/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,752. This offer applies to Stock #MD262795, VIN JM3KKDHC9T1391003. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $57,725. Advertised price: $52,973. Savings: $4,752, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$57,725"}, {"label": "Advertised price", "value": "$52,973"}, {"label": "Savings", "value": "$4,752, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,752", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52973.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC9T1391003_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 960, "unit": "per_month", "display": "$960/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52973.0, "price_incl_doc": 52973.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 959.68, "amount_financed": 56283.81, "sales_tax": 3310.81, "total_of_payments": 57580.79, "finance_charge": 1296.98, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262795, VIN JM3KKDHC9T1391003. $960 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,973, before any dealer documentation fee. Amount financed $56,284, including $3,311 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $57,581. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1391003_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52973.0, "price_incl_doc": 52973.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 835.51, "amount_financed": 56283.81, "sales_tax": 3310.81, "total_of_payments": 70182.87, "finance_charge": 13899.06, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262795, VIN JM3KKDHC9T1391003. $836 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,973, before any dealer documentation fee. Amount financed $56,284, including $3,311 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $70,183. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1391003_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 667, "unit": "per_month", "display": "$667/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57725.0, "selling_price": 52973.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 667.13, "net_cap_cost": 53568.0, "residual_value": 35789.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 667.13, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 827.13}, "total_of_payments": 24012, "total_of_payments_unrounded": 24016.68}, "disclosure": "Estimated lease payment for stock #MD262795, VIN JM3KKDHC9T1391003. $667 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $827, made up of $667 first payment, $60 title, $100 registration. MSRP $57,725. Lease selling price $52,973. Net capitalized cost $53,568. Residual value $35,790, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $24,012. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1391003_lease", "type": "lease", "label": "Lease", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 57725.0, "selling_price": 52973.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 573.83, "net_cap_cost": 50569.0, "residual_value": 35789.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 573.83, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3732.83}, "total_of_payments": 20664, "total_of_payments_unrounded": 20657.88}, "disclosure": "Estimated lease payment for stock #MD262795, VIN JM3KKDHC9T1391003. $574 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,733, made up of $574 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $57,725. Lease selling price $52,973. Net capitalized cost $50,569. Residual value $35,790, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,664. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjchf6t1350741/2026-mazda-cx-70-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,388. This offer applies to Stock #MD262599, VIN JM3KJCHF6T1350741. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $49,815. Advertised price: $43,427. Savings: $6,388, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$49,815"}, {"label": "Advertised price", "value": "$43,427"}, {"label": "Savings", "value": "$6,388, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,388", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43427.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJCHF6T1350741_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 881, "unit": "per_month", "display": "$881/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43427.0, "price_incl_doc": 43427.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 881.14, "amount_financed": 46141.19, "sales_tax": 2714.19, "total_of_payments": 52868.24, "finance_charge": 6727.05, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262599, VIN JM3KJCHF6T1350741. $881 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,427, before any dealer documentation fee. Amount financed $46,141, including $2,714 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,868. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF6T1350741_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 764, "unit": "per_month", "display": "$764/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43427.0, "price_incl_doc": 43427.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 764.47, "amount_financed": 46141.19, "sales_tax": 2714.19, "total_of_payments": 55042.2, "finance_charge": 8901.01, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262599, VIN JM3KJCHF6T1350741. $764 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,427, before any dealer documentation fee. Amount financed $46,141, including $2,714 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,042. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF6T1350741_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 685, "unit": "per_month", "display": "$685/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43427.0, "price_incl_doc": 43427.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 684.95, "amount_financed": 46141.19, "sales_tax": 2714.19, "total_of_payments": 57535.57, "finance_charge": 11394.38, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262599, VIN JM3KJCHF6T1350741. $685 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,427, before any dealer documentation fee. Amount financed $46,141, including $2,714 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,536. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF6T1350741_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 507, "unit": "per_month", "display": "$507/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49815.0, "selling_price": 43427.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 507.1, "net_cap_cost": 44022.0, "residual_value": 30885.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 507.1, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 667.1}, "total_of_payments": 18252, "total_of_payments_unrounded": 18255.6}, "disclosure": "Estimated lease payment for stock #MD262599, VIN JM3KJCHF6T1350741. $507 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $667, made up of $507 first payment, $60 title, $100 registration. MSRP $49,815. Lease selling price $43,427. Net capitalized cost $44,022. Residual value $30,885, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,252. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJCHF6T1350741_lease", "type": "lease", "label": "Lease", "headline": {"value": 414, "unit": "per_month", "display": "$414/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 49815.0, "selling_price": 43427.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 413.81, "net_cap_cost": 41023.0, "residual_value": 30885.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 413.81, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3572.81}, "total_of_payments": 14904, "total_of_payments_unrounded": 14897.16}, "disclosure": "Estimated lease payment for stock #MD262599, VIN JM3KJCHF6T1350741. $414 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,573, made up of $414 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $49,815. Lease selling price $43,427. Net capitalized cost $41,023. Residual value $30,885, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,904. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn482623/2026-mazda-cx-50-suv", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn482623/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABEY4TN482623.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY4TN482623.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABEY4TN482623.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabey4tn482623/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,871. This offer applies to Stock #MD262628, VIN 7MMVABEY4TN482623. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,155. Advertised price: $43,284. Savings: $2,871, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,155"}, {"label": "Advertised price", "value": "$43,284"}, {"label": "Savings", "value": "$2,871, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,871", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43284.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABEY4TN482623_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 878, "unit": "per_month", "display": "$878/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 878.24, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 52694.15, "finance_charge": 6704.9, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262628, VIN 7MMVABEY4TN482623. $878 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $52,694. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN482623_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 761.96, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 54860.95, "finance_charge": 8871.7, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262628, VIN 7MMVABEY4TN482623. $762 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $54,861. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN482623_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 683, "unit": "per_month", "display": "$683/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43284.0, "price_incl_doc": 43284.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.69, "amount_financed": 45989.25, "sales_tax": 2705.25, "total_of_payments": 57346.11, "finance_charge": 11356.86, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262628, VIN 7MMVABEY4TN482623. $683 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,284, before any dealer documentation fee. Amount financed $45,989, including $2,705 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,346. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN482623_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 566, "unit": "per_month", "display": "$566/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46155.0, "selling_price": 43284.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 566.01, "net_cap_cost": 43879.0, "residual_value": 28616.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 566.01, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 726.01}, "total_of_payments": 20376, "total_of_payments_unrounded": 20376.36}, "disclosure": "Estimated lease payment for stock #MD262628, VIN 7MMVABEY4TN482623. $566 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $726, made up of $566 first payment, $60 title, $100 registration. MSRP $46,155. Lease selling price $43,284. Net capitalized cost $43,879. Residual value $28,616, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,376. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABEY4TN482623_lease", "type": "lease", "label": "Lease", "headline": {"value": 473, "unit": "per_month", "display": "$473/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46155.0, "selling_price": 43284.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 472.71, "net_cap_cost": 40880.0, "residual_value": 28616.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 472.71, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3631.71}, "total_of_payments": 17028, "total_of_payments_unrounded": 17017.56}, "disclosure": "Estimated lease payment for stock #MD262628, VIN 7MMVABEY4TN482623. $473 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,632, made up of $473 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,155. Lease selling price $43,284. Net capitalized cost $40,880. Residual value $28,616, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,028. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 337}}, {"vin": "JM3KKEHC4T1409302", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Plus AWD", "decoded_trim": "Premium Plus, S-Premium Plus", "condition": "new", "price": 59535.0, "msrp": 59535.0, "sale_price": 59535.0, "currency": "USD", "mileage": null, "exterior_color": "Platinum Quartz Metallic", "interior_color": "White Premium Leather Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKEHC4T1409302", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKEHC4T1409302_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Plus, S-Premium Plus", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 59535.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc4t1409302/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc4t1409302/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKEHC4T1409302.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC4T1409302.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKEHC4T1409302.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkehc4t1409302/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKEHC4T1409302, VIN JM3KKEHC4T1409302. Advertised price: $59,535. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$59,535"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 59535.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKEHC4T1409302_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1079, "unit": "per_month", "display": "$1,079/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59535.0, "price_incl_doc": 59535.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1078.56, "amount_financed": 63255.94, "sales_tax": 3720.94, "total_of_payments": 64713.59, "finance_charge": 1457.65, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKEHC4T1409302, VIN JM3KKEHC4T1409302. $1,079 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $59,535, before any dealer documentation fee. Amount financed $63,256, including $3,721 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $64,714. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC4T1409302_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 939, "unit": "per_month", "display": "$939/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 59535.0, "price_incl_doc": 59535.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 939.01, "amount_financed": 63255.94, "sales_tax": 3720.94, "total_of_payments": 78876.74, "finance_charge": 15620.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKEHC4T1409302, VIN JM3KKEHC4T1409302. $939 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $59,535, before any dealer documentation fee. Amount financed $63,256, including $3,721 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $78,877. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC4T1409302_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 840, "unit": "per_month", "display": "$840/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59535.0, "selling_price": 59535.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 839.92, "net_cap_cost": 60130.0, "residual_value": 36911.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 839.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 999.92}, "total_of_payments": 30240, "total_of_payments_unrounded": 30237.12}, "disclosure": "Estimated lease payment for stock #JM3KKEHC4T1409302, VIN JM3KKEHC4T1409302. $840 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $1,000, made up of $840 first payment, $60 title, $100 registration. MSRP $59,535. Lease selling price $59,535. Net capitalized cost $60,130. Residual value $36,912, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $30,240. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKEHC4T1409302_lease", "type": "lease", "label": "Lease", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 59535.0, "selling_price": 59535.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 746.63, "net_cap_cost": 57131.0, "residual_value": 36911.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 746.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3905.63}, "total_of_payments": 26892, "total_of_payments_unrounded": 26878.68}, "disclosure": "Estimated lease payment for stock #JM3KKEHC4T1409302, VIN JM3KKEHC4T1409302. $747 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,906, made up of $747 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $59,535. Lease selling price $59,535. Net capitalized cost $57,131. Residual value $36,912, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $26,892. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 351}}, {"vin": "7MMVAAEW2TN165366", "title": "2026 Mazda CX-50 Hybrid Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 43575.0, "msrp": 43575.0, "sale_price": 40792.0, "currency": "USD", "mileage": 35, "exterior_color": "Wind Chill Pearl", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew2tn165366/2026-mazda-cx-50-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAAEW2TN165366.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW2TN165366.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAAEW2TN165366.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaaew2tn165366/2026-mazda-cx-50-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262826X, VIN 7MMVAAEW2TN165366. Advertised price: $43,575. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$43,575"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 43575.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAAEW2TN165366_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 884, "unit": "per_month", "display": "$884/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43575.0, "price_incl_doc": 43575.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 884.14, "amount_financed": 46298.44, "sales_tax": 2723.44, "total_of_payments": 53048.42, "finance_charge": 6749.98, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262826X, VIN 7MMVAAEW2TN165366. $884 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $43,575, before any dealer documentation fee. Amount financed $46,298, including $2,723 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $53,048. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN165366_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 767, "unit": "per_month", "display": "$767/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43575.0, "price_incl_doc": 43575.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 767.08, "amount_financed": 46298.44, "sales_tax": 2723.44, "total_of_payments": 55229.78, "finance_charge": 8931.34, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262826X, VIN 7MMVAAEW2TN165366. $767 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $43,575, before any dealer documentation fee. Amount financed $46,298, including $2,723 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $55,230. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN165366_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 687, "unit": "per_month", "display": "$687/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 43575.0, "price_incl_doc": 43575.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 687.28, "amount_financed": 46298.44, "sales_tax": 2723.44, "total_of_payments": 57731.66, "finance_charge": 11433.22, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262826X, VIN 7MMVAAEW2TN165366. $687 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $43,575, before any dealer documentation fee. Amount financed $46,298, including $2,723 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $57,732. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN165366_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43575.0, "selling_price": 43575.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 619.72, "net_cap_cost": 44170.0, "residual_value": 27016.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 619.72, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 779.72}, "total_of_payments": 22320, "total_of_payments_unrounded": 22309.92}, "disclosure": "Estimated lease payment for stock #MD262826X, VIN 7MMVAAEW2TN165366. $620 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $780, made up of $620 first payment, $60 title, $100 registration. MSRP $43,575. Lease selling price $43,575. Net capitalized cost $44,170. Residual value $27,016, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,320. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAAEW2TN165366_lease", "type": "lease", "label": "Lease", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 43575.0, "selling_price": 43575.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.43, "net_cap_cost": 41171.0, "residual_value": 27016.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.43, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3685.43}, "total_of_payments": 18936, "total_of_payments_unrounded": 18951.48}, "disclosure": "Estimated lease payment for stock #MD262826X, VIN 7MMVAAEW2TN165366. $526 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,685, made up of $526 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $43,575. Lease selling price $43,575. Net capitalized cost $41,171. Residual value $27,016, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,936. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 375}}, {"vin": "1G1FB1RS1J0101623", "title": "2018 Chevrolet Camaro 1LT", "year": 2018, "make": "Chevrolet", "model": "Camaro", "trim": "1LT", "decoded_trim": "1LS/1LT", "condition": "used", "price": 16711.0, "msrp": 16298.0, "sale_price": 16623.0, "currency": "USD", "mileage": 117917, "exterior_color": "Mosaic Black Metallic", "interior_color": "Jet Black", "drivetrain": "RWD", "body_style": "2dr Car", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 2, "seating_capacity": null, 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PHD1022A, VIN 1G1FB1RS1J0101623. Advertised price: $16,711. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$16,711"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 16711.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1G1FB1RS1J0101623_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16711.0, "price_incl_doc": 16711.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 416.91, "amount_financed": 17755.44, "sales_tax": 1044.44, "total_of_payments": 20011.47, "finance_charge": 2256.03, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1022A, VIN 1G1FB1RS1J0101623. $417 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $16,711, before any dealer documentation fee. Amount financed $17,755, including $1,044 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $20,011. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1FB1RS1J0101623_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 347, "unit": "per_month", "display": "$347/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16711.0, "price_incl_doc": 16711.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 347.32, "amount_financed": 17755.44, "sales_tax": 1044.44, "total_of_payments": 20839.34, "finance_charge": 3083.9, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1022A, VIN 1G1FB1RS1J0101623. $347 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $16,711, before any dealer documentation fee. Amount financed $17,755, including $1,044 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $20,839. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1G1FB1RS1J0101623_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 303, "unit": "per_month", "display": "$303/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 16711.0, "price_incl_doc": 16711.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 302.63, "amount_financed": 17755.44, "sales_tax": 1044.44, "total_of_payments": 21789.17, "finance_charge": 4033.73, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PHD1022A, VIN 1G1FB1RS1J0101623. $303 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $16,711, before any dealer documentation fee. Amount financed $17,755, including $1,044 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $21,789. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. Advertised price: $40,555. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$40,555"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40555.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABCY9TN612379_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 823, "unit": "per_month", "display": "$823/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40555.0, "price_incl_doc": 40555.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 822.86, "amount_financed": 43089.69, "sales_tax": 2534.69, "total_of_payments": 49371.86, "finance_charge": 6282.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. $823 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,555, before any dealer documentation fee. Amount financed $43,090, including $2,535 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $49,372. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY9TN612379_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 714, "unit": "per_month", "display": "$714/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40555.0, "price_incl_doc": 40555.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 713.92, "amount_financed": 43089.69, "sales_tax": 2534.69, "total_of_payments": 51402.04, "finance_charge": 8312.35, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. $714 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,555, before any dealer documentation fee. Amount financed $43,090, including $2,535 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,402. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY9TN612379_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40555.0, "price_incl_doc": 40555.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 639.65, "amount_financed": 43089.69, "sales_tax": 2534.69, "total_of_payments": 53730.52, "finance_charge": 10640.83, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. $640 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,555, before any dealer documentation fee. Amount financed $43,090, including $2,535 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,731. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY9TN612379_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 578, "unit": "per_month", "display": "$578/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40555.0, "selling_price": 40555.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 578.05, "net_cap_cost": 41150.0, "residual_value": 25144.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 578.05, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 738.05}, "total_of_payments": 20808, "total_of_payments_unrounded": 20809.8}, "disclosure": "Estimated lease payment for stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. $578 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $738, made up of $578 first payment, $60 title, $100 registration. MSRP $40,555. Lease selling price $40,555. Net capitalized cost $41,150. Residual value $25,144, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,808. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY9TN612379_lease", "type": "lease", "label": "Lease", "headline": {"value": 485, "unit": "per_month", "display": "$485/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40555.0, "selling_price": 40555.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 484.76, "net_cap_cost": 38151.0, "residual_value": 25144.1, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 484.76, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3643.76}, "total_of_payments": 17460, "total_of_payments_unrounded": 17451.36}, "disclosure": "Estimated lease payment for stock #7MMVABCY9TN612379, VIN 7MMVABCY9TN612379. $485 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,644, made up of $485 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,555. Lease selling price $40,555. Net capitalized cost $38,151. Residual value $25,144, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,460. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 381}}, {"vin": "5UXCR6C02N9N16850", "title": "2022 BMW X5 xDrive40i", "year": 2022, "make": "BMW", "model": "X5", "trim": "xDrive40i", "decoded_trim": "xDrive40i", "condition": "used", "price": 34793.0, "msrp": 34380.0, "sale_price": 34890.0, "currency": "USD", "mileage": 67050, "exterior_color": "Black Sapphire Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, 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"canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/5UXCR6C02N9N16850.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/5UXCR6C02N9N16850.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/5UXCR6C02N9N16850.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/used/5uxcr6c02n9n16850/2022-bmw-x5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #HD263239AA, VIN 5UXCR6C02N9N16850. Advertised price: $34,793. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$34,793"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 34793.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_5UXCR6C02N9N16850_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 868, "unit": "per_month", "display": "$868/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34793.0, "price_incl_doc": 34793.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 868.01, "amount_financed": 36967.56, "sales_tax": 2174.56, "total_of_payments": 41664.71, "finance_charge": 4697.15, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263239AA, VIN 5UXCR6C02N9N16850. $868 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $34,793, before any dealer documentation fee. Amount financed $36,968, including $2,175 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $41,665. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5UXCR6C02N9N16850_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 723, "unit": "per_month", "display": "$723/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34793.0, "price_incl_doc": 34793.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 723.14, "amount_financed": 36967.56, "sales_tax": 2174.56, "total_of_payments": 43388.38, "finance_charge": 6420.82, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263239AA, VIN 5UXCR6C02N9N16850. $723 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $34,793, before any dealer documentation fee. Amount financed $36,968, including $2,175 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $43,388. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5UXCR6C02N9N16850_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 630, "unit": "per_month", "display": "$630/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 34793.0, "price_incl_doc": 34793.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 630.08, "amount_financed": 36967.56, "sales_tax": 2174.56, "total_of_payments": 45365.95, "finance_charge": 8398.39, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #HD263239AA, VIN 5UXCR6C02N9N16850. $630 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $34,793, before any dealer documentation fee. Amount financed $36,968, including $2,175 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $45,366. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 19412.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3VWEM7BUXPM031084_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 484, "unit": "per_month", "display": "$484/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19412.0, "price_incl_doc": 19412.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 484.29, "amount_financed": 20625.25, "sales_tax": 1213.25, "total_of_payments": 23245.92, "finance_charge": 2620.67, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0940, VIN 3VWEM7BUXPM031084. $484 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $19,412, before any dealer documentation fee. Amount financed $20,625, including $1,213 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $23,246. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3VWEM7BUXPM031084_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 403, "unit": "per_month", "display": "$403/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19412.0, "price_incl_doc": 19412.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 403.46, "amount_financed": 20625.25, "sales_tax": 1213.25, "total_of_payments": 24207.61, "finance_charge": 3582.36, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0940, VIN 3VWEM7BUXPM031084. $403 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $19,412, before any dealer documentation fee. Amount financed $20,625, including $1,213 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $24,208. Offer expires 2026-07-31. Estimated for ZIP 60515. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 19412.0, "price_incl_doc": 19412.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 351.54, "amount_financed": 20625.25, "sales_tax": 1213.25, "total_of_payments": 25310.95, "finance_charge": 4685.7, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0940, VIN 3VWEM7BUXPM031084. $352 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $19,412, before any dealer documentation fee. Amount financed $20,625, including $1,213 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $25,311. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. Advertised price: $33,660. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$33,660"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33660.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMBHA0T0186379_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 683, "unit": "per_month", "display": "$683/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33660.0, "price_incl_doc": 33660.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.96, "amount_financed": 35763.75, "sales_tax": 2103.75, "total_of_payments": 40977.85, "finance_charge": 5214.1, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. $683 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,660, before any dealer documentation fee. Amount financed $35,764, including $2,104 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,978. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0186379_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33660.0, "price_incl_doc": 33660.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 592.54, "amount_financed": 35763.75, "sales_tax": 2103.75, "total_of_payments": 42662.87, "finance_charge": 6899.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. $593 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,660, before any dealer documentation fee. Amount financed $35,764, including $2,104 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,663. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0186379_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 531, "unit": "per_month", "display": "$531/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33660.0, "price_incl_doc": 33660.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.9, "amount_financed": 35763.75, "sales_tax": 2103.75, "total_of_payments": 44595.47, "finance_charge": 8831.72, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. $531 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,660, before any dealer documentation fee. Amount financed $35,764, including $2,104 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,595. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0186379_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 483, "unit": "per_month", "display": "$483/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33660.0, "selling_price": 33660.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 482.92, "net_cap_cost": 34255.0, "residual_value": 20869.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 482.92, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 642.92}, "total_of_payments": 17388, "total_of_payments_unrounded": 17385.12}, "disclosure": "Estimated lease payment for stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. $483 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $643, made up of $483 first payment, $60 title, $100 registration. MSRP $33,660. Lease selling price $33,660. Net capitalized cost $34,255. Residual value $20,869, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,388. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMBHA0T0186379_lease", "type": "lease", "label": "Lease", "headline": {"value": 390, "unit": "per_month", "display": "$390/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 33660.0, "selling_price": 33660.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 389.63, "net_cap_cost": 31256.0, "residual_value": 20869.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 389.63, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3548.63}, "total_of_payments": 14040, "total_of_payments_unrounded": 14026.68}, "disclosure": "Estimated lease payment for stock #JM3KMBHA0T0186379, VIN JM3KMBHA0T0186379. $390 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,549, made up of $390 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $33,660. Lease selling price $33,660. Net capitalized cost $31,256. Residual value $20,869, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,040. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 341}}, {"vin": "7MMVABXL8TN607155", "title": "2026 Mazda CX-50 2.5 S Meridian Edition AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 S Meridian Edition AWD", "decoded_trim": "Meridian Edition", "condition": "new", "price": 33626.0, "msrp": 35590.0, "sale_price": 33626.0, "currency": "USD", "mileage": 7, "exterior_color": "Polymetal Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline 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"Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxl8tn607155/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABXL8TN607155.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXL8TN607155.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABXL8TN607155.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabxl8tn607155/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,964. This offer applies to Stock #MD262915, VIN 7MMVABXL8TN607155. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $35,590. Advertised price: $33,626. Savings: $1,964, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$35,590"}, {"label": "Advertised price", "value": "$33,626"}, {"label": "Savings", "value": "$1,964, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,964", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 33626.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABXL8TN607155_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 682, "unit": "per_month", "display": "$682/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33626.0, "price_incl_doc": 33626.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 682.27, "amount_financed": 35727.63, "sales_tax": 2101.63, "total_of_payments": 40936.46, "finance_charge": 5208.83, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262915, VIN 7MMVABXL8TN607155. $682 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $33,626, before any dealer documentation fee. Amount financed $35,728, including $2,102 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $40,936. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXL8TN607155_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 592, "unit": "per_month", "display": "$592/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33626.0, "price_incl_doc": 33626.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 591.94, "amount_financed": 35727.63, "sales_tax": 2101.63, "total_of_payments": 42619.78, "finance_charge": 6892.15, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262915, VIN 7MMVABXL8TN607155. $592 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $33,626, before any dealer documentation fee. Amount financed $35,728, including $2,102 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $42,620. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXL8TN607155_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 530, "unit": "per_month", "display": "$530/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 33626.0, "price_incl_doc": 33626.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 530.36, "amount_financed": 35727.63, "sales_tax": 2101.63, "total_of_payments": 44550.43, "finance_charge": 8822.8, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262915, VIN 7MMVABXL8TN607155. $530 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $33,626, before any dealer documentation fee. Amount financed $35,728, including $2,102 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $44,550. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXL8TN607155_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 448, "unit": "per_month", "display": "$448/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35590.0, "selling_price": 33626.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 448.45, "net_cap_cost": 34221.0, "residual_value": 22065.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 448.45, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 608.45}, "total_of_payments": 16128, "total_of_payments_unrounded": 16144.2}, "disclosure": "Estimated lease payment for stock #MD262915, VIN 7MMVABXL8TN607155. $448 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $608, made up of $448 first payment, $60 title, $100 registration. MSRP $35,590. Lease selling price $33,626. Net capitalized cost $34,221. Residual value $22,066, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,128. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABXL8TN607155_lease", "type": "lease", "label": "Lease", "headline": {"value": 355, "unit": "per_month", "display": "$355/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35590.0, "selling_price": 33626.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 355.16, "net_cap_cost": 31222.0, "residual_value": 22065.8, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 355.16, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3514.16}, "total_of_payments": 12780, "total_of_payments_unrounded": 12785.76}, "disclosure": "Estimated lease payment for stock #MD262915, VIN 7MMVABXL8TN607155. $355 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,514, made up of $355 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,590. Lease selling price $33,626. Net capitalized cost $31,222. Residual value $22,066, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,780. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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"city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjehc8t1205976/2026-mazda-cx-70-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJEHC8T1205976.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJEHC8T1205976.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJEHC8T1205976.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjehc8t1205976/2026-mazda-cx-70-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,812. This offer applies to Stock #MD262607, VIN JM3KJEHC8T1205976. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $60,415. Advertised price: $55,603. Savings: $4,812, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$60,415"}, {"label": "Advertised price", "value": "$55,603"}, {"label": "Savings", "value": "$4,812, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,812", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 55603.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJEHC8T1205976_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1007, "unit": "per_month", "display": "$1,007/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55603.0, "price_incl_doc": 55603.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1007.33, "amount_financed": 59078.19, "sales_tax": 3475.19, "total_of_payments": 60439.57, "finance_charge": 1361.38, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262607, VIN JM3KJEHC8T1205976. $1,007 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $55,603, before any dealer documentation fee. Amount financed $59,078, including $3,475 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $60,440. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHC8T1205976_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 877, "unit": "per_month", "display": "$877/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 55603.0, "price_incl_doc": 55603.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 876.99, "amount_financed": 59078.19, "sales_tax": 3475.19, "total_of_payments": 73667.31, "finance_charge": 14589.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262607, VIN JM3KJEHC8T1205976. $877 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $55,603, before any dealer documentation fee. Amount financed $59,078, including $3,475 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $73,667. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHC8T1205976_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 702, "unit": "per_month", "display": "$702/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60415.0, "selling_price": 55603.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 702.37, "net_cap_cost": 56198.0, "residual_value": 37457.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 702.37, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 862.37}, "total_of_payments": 25272, "total_of_payments_unrounded": 25285.32}, "disclosure": "Estimated lease payment for stock #MD262607, VIN JM3KJEHC8T1205976. $702 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $862, made up of $702 first payment, $60 title, $100 registration. MSRP $60,415. Lease selling price $55,603. Net capitalized cost $56,198. Residual value $37,457, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,272. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJEHC8T1205976_lease", "type": "lease", "label": "Lease", "headline": {"value": 609, "unit": "per_month", "display": "$609/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 60415.0, "selling_price": 55603.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 609.08, "net_cap_cost": 53199.0, "residual_value": 37457.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 609.08, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3768.08}, "total_of_payments": 21924, "total_of_payments_unrounded": 21926.88}, "disclosure": "Estimated lease payment for stock #MD262607, VIN JM3KJEHC8T1205976. $609 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,768, made up of $609 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $60,415. Lease selling price $55,603. Net capitalized cost $53,199. Residual value $37,457, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,924. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 325}}, {"vin": "JM1BPACL6T1894956", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 29635.0, "msrp": 29635.0, "sale_price": 29635.0, "currency": "USD", "mileage": null, "exterior_color": "Snowflake White Pearl", "interior_color": "Greige Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPACL6T1894956", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL6T1894956_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29635.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl6t1894956/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl6t1894956/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACL6T1894956.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL6T1894956.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL6T1894956.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl6t1894956/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. Advertised price: $29,635. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,635"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29635.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACL6T1894956_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29635.0, "price_incl_doc": 29635.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.3, "amount_financed": 31487.19, "sales_tax": 1852.19, "total_of_payments": 36077.8, "finance_charge": 4590.61, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. $601 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,635, before any dealer documentation fee. Amount financed $31,487, including $1,852 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $36,078. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL6T1894956_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 522, "unit": "per_month", "display": "$522/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29635.0, "price_incl_doc": 29635.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.69, "amount_financed": 31487.19, "sales_tax": 1852.19, "total_of_payments": 37561.32, "finance_charge": 6074.13, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. $522 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,635, before any dealer documentation fee. Amount financed $31,487, including $1,852 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,561. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL6T1894956_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29635.0, "price_incl_doc": 29635.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 467.41, "amount_financed": 31487.19, "sales_tax": 1852.19, "total_of_payments": 39262.83, "finance_charge": 7775.64, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. $467 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,635, before any dealer documentation fee. Amount financed $31,487, including $1,852 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,263. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL6T1894956_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29635.0, "selling_price": 29635.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.39, "net_cap_cost": 30230.0, "residual_value": 18373.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.39, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 587.39}, "total_of_payments": 15372, "total_of_payments_unrounded": 15386.04}, "disclosure": "Estimated lease payment for stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. $427 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $587, made up of $427 first payment, $60 title, $100 registration. MSRP $29,635. Lease selling price $29,635. Net capitalized cost $30,230. Residual value $18,374, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,372. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL6T1894956_lease", "type": "lease", "label": "Lease", "headline": {"value": 334, "unit": "per_month", "display": "$334/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29635.0, "selling_price": 29635.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 334.1, "net_cap_cost": 27231.0, "residual_value": 18373.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 334.1, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3493.1}, "total_of_payments": 12024, "total_of_payments_unrounded": 12027.6}, "disclosure": "Estimated lease payment for stock #JM1BPACL6T1894956, VIN JM1BPACL6T1894956. $334 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,493, made up of $334 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,635. Lease selling price $29,635. Net capitalized cost $27,231. Residual value $18,374, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $12,024. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 379}}, {"vin": "JM3KKCHD1T1411652", "title": "2026 Mazda CX-90 3.3 Turbo Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo Premium Sport AWD", "decoded_trim": "Premium Sport", "condition": "new", "price": 50035.0, "msrp": 50035.0, "sale_price": 50035.0, "currency": "USD", "mileage": null, "exterior_color": "Deep Crystal Blue Mica", "interior_color": "Greige Leather Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KKCHD1T1411652", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KKCHD1T1411652_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-90", "year": 2026, "trim": "Premium Sport", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 50035.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd1t1411652/2026-mazda-cx-90-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd1t1411652/2026-mazda-cx-90-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKCHD1T1411652.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD1T1411652.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKCHD1T1411652.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkchd1t1411652/2026-mazda-cx-90-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KKCHD1T1411652, VIN JM3KKCHD1T1411652. Advertised price: $50,035. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$50,035"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 50035.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHD1T1411652_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 906, "unit": "per_month", "display": "$906/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50035.0, "price_incl_doc": 50035.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 906.45, "amount_financed": 53162.19, "sales_tax": 3127.19, "total_of_payments": 54387.24, "finance_charge": 1225.05, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD1T1411652, VIN JM3KKCHD1T1411652. $906 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $50,035, before any dealer documentation fee. Amount financed $53,162, including $3,127 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $54,387. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1411652_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 789, "unit": "per_month", "display": "$789/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 50035.0, "price_incl_doc": 50035.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 789.17, "amount_financed": 53162.19, "sales_tax": 3127.19, "total_of_payments": 66290.38, "finance_charge": 13128.19, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KKCHD1T1411652, VIN JM3KKCHD1T1411652. $789 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $50,035, before any dealer documentation fee. Amount financed $53,162, including $3,127 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $66,290. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1411652_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 709, "unit": "per_month", "display": "$709/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50035.0, "selling_price": 50035.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 708.85, "net_cap_cost": 50630.0, "residual_value": 31021.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 708.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 868.85}, "total_of_payments": 25524, "total_of_payments_unrounded": 25518.6}, "disclosure": "Estimated lease payment for stock #JM3KKCHD1T1411652, VIN JM3KKCHD1T1411652. $709 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $869, made up of $709 first payment, $60 title, $100 registration. MSRP $50,035. Lease selling price $50,035. Net capitalized cost $50,630. Residual value $31,022, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $25,524. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHD1T1411652_lease", "type": "lease", "label": "Lease", "headline": {"value": 616, "unit": "per_month", "display": "$616/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 50035.0, "selling_price": 50035.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 615.56, "net_cap_cost": 47631.0, "residual_value": 31021.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 615.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3774.56}, "total_of_payments": 22176, "total_of_payments_unrounded": 22160.16}, "disclosure": "Estimated lease payment for stock #JM3KKCHD1T1411652, VIN JM3KKCHD1T1411652. $616 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,775, made up of $616 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $50,035. Lease selling price $50,035. Net capitalized cost $47,631. Residual value $31,022, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,176. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 344}}, {"vin": "JM3KJAHF6T1351974", "title": "2026 Mazda CX-70 Plug-In Hybrid SC AWD", "year": 2026, "make": "Mazda", "model": "CX-70 Plug-In Hybrid", "trim": "SC AWD", "decoded_trim": "SC", "condition": "new", "price": 40238.0, "msrp": 46425.0, "sale_price": 40238.0, "currency": "USD", "mileage": 7, "exterior_color": "Rhodium White Premium", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjahf6t1351974/2026-mazda-cx-70-plug-in-hybrid-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJAHF6T1351974.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJAHF6T1351974.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJAHF6T1351974.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjahf6t1351974/2026-mazda-cx-70-plug-in-hybrid-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,187. This offer applies to Stock #MD262754, VIN JM3KJAHF6T1351974. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $46,425. Advertised price: $40,238. Savings: $6,187, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$46,425"}, {"label": "Advertised price", "value": "$40,238"}, {"label": "Savings", "value": "$6,187, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,187", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40238.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJAHF6T1351974_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 816, "unit": "per_month", "display": "$816/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40238.0, "price_incl_doc": 40238.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.43, "amount_financed": 42752.88, "sales_tax": 2514.88, "total_of_payments": 48985.94, "finance_charge": 6233.06, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262754, VIN JM3KJAHF6T1351974. $816 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $40,238, before any dealer documentation fee. Amount financed $42,753, including $2,515 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $48,986. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF6T1351974_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 708, "unit": "per_month", "display": "$708/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40238.0, "price_incl_doc": 40238.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 708.34, "amount_financed": 42752.88, "sales_tax": 2514.88, "total_of_payments": 51000.26, "finance_charge": 8247.38, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262754, VIN JM3KJAHF6T1351974. $708 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $40,238, before any dealer documentation fee. Amount financed $42,753, including $2,515 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $51,000. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF6T1351974_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 635, "unit": "per_month", "display": "$635/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40238.0, "price_incl_doc": 40238.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 634.65, "amount_financed": 42752.88, "sales_tax": 2514.88, "total_of_payments": 53310.53, "finance_charge": 10557.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262754, VIN JM3KJAHF6T1351974. $635 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $40,238, before any dealer documentation fee. Amount financed $42,753, including $2,515 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $53,311. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF6T1351974_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46425.0, "selling_price": 40238.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.58, "net_cap_cost": 40833.0, "residual_value": 28783.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.58, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 626.58}, "total_of_payments": 16812, "total_of_payments_unrounded": 16796.88}, "disclosure": "Estimated lease payment for stock #MD262754, VIN JM3KJAHF6T1351974. $467 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $627, made up of $467 first payment, $60 title, $100 registration. MSRP $46,425. Lease selling price $40,238. Net capitalized cost $40,833. Residual value $28,784, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,812. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJAHF6T1351974_lease", "type": "lease", "label": "Lease", "headline": {"value": 373, "unit": "per_month", "display": "$373/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 46425.0, "selling_price": 40238.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 373.29, "net_cap_cost": 37834.0, "residual_value": 28783.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 373.29, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3532.29}, "total_of_payments": 13428, "total_of_payments_unrounded": 13438.44}, "disclosure": "Estimated lease payment for stock #MD262754, VIN JM3KJAHF6T1351974. $373 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,532, made up of $373 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $46,425. Lease selling price $40,238. Net capitalized cost $37,834. Residual value $28,784, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,428. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 330}}, {"vin": "4JGFB4KB7NA709760", "title": "2022 Mercedes-Benz GLE GLE 350", "year": 2022, "make": "Mercedes-Benz", "model": "GLE", "trim": "GLE 350", "decoded_trim": "GLE350 4MATIC", "condition": "used", "price": 37410.0, "msrp": 36997.0, "sale_price": 34244.0, "currency": "USD", "mileage": 47454, "exterior_color": "Black", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Intercooled Turbo Premium Unleaded I-4 2.0 L/121", "engine_displacement_l": 2.0, "engine_cylinders": 4, "transmission": "9-Speed Automatic w/OD", "mpg_city": 19, "mpg_hwy": 26, "range_miles": null, "battery_kwh": null, "stock_number": "PGD0414", "stock_status": "Available", "availability": "In Stock", 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PGD0414, VIN 4JGFB4KB7NA709760. Advertised price: $37,410. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$37,410"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37410.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_4JGFB4KB7NA709760_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 933, "unit": "per_month", "display": "$933/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 933.3, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 44798.58, "finance_charge": 5050.45, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0414, VIN 4JGFB4KB7NA709760. $933 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $44,799. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4JGFB4KB7NA709760_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 778, "unit": "per_month", "display": "$778/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 777.53, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 46651.9, "finance_charge": 6903.77, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0414, VIN 4JGFB4KB7NA709760. $778 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $46,652. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_4JGFB4KB7NA709760_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 677, "unit": "per_month", "display": "$677/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37410.0, "price_incl_doc": 37410.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 677.48, "amount_financed": 39748.13, "sales_tax": 2338.13, "total_of_payments": 48778.22, "finance_charge": 9030.09, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0414, VIN 4JGFB4KB7NA709760. $677 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $37,410, before any dealer documentation fee. Amount financed $39,748, including $2,338 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $48,778. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$40,643"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:14Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 40643.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3TMLB5JN2RM013132_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 1014, "unit": "per_month", "display": "$1,014/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40643.0, "price_incl_doc": 40643.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1013.96, "amount_financed": 43183.19, "sales_tax": 2540.19, "total_of_payments": 48670.1, "finance_charge": 5486.91, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0897, VIN 3TMLB5JN2RM013132. $1,014 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $40,643, before any dealer documentation fee. Amount financed $43,183, including $2,540 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $48,670. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3TMLB5JN2RM013132_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 845, "unit": "per_month", "display": "$845/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40643.0, "price_incl_doc": 40643.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 844.73, "amount_financed": 43183.19, "sales_tax": 2540.19, "total_of_payments": 50683.59, "finance_charge": 7500.4, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0897, VIN 3TMLB5JN2RM013132. $845 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $40,643, before any dealer documentation fee. Amount financed $43,183, including $2,540 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $50,684. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3TMLB5JN2RM013132_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 736, "unit": "per_month", "display": "$736/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 40643.0, "price_incl_doc": 40643.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 736.02, "amount_financed": 43183.19, "sales_tax": 2540.19, "total_of_payments": 52993.67, "finance_charge": 9810.48, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDM0897, VIN 3TMLB5JN2RM013132. $736 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $40,643, before any dealer documentation fee. Amount financed $43,183, including $2,540 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $52,994. Offer expires 2026-07-31. Estimated for ZIP 60515. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$39,300"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. 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Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMDHA1T0204528_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 797, "unit": "per_month", "display": "$797/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39300.0, "price_incl_doc": 39300.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 797.4, "amount_financed": 41756.25, "sales_tax": 2456.25, "total_of_payments": 47844.01, "finance_charge": 6087.76, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA1T0204528, VIN JM3KMDHA1T0204528. $797 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $39,300, before any dealer documentation fee. Amount financed $41,756, including $2,456 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $47,844. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA1T0204528_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 692, "unit": "per_month", "display": "$692/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39300.0, "price_incl_doc": 39300.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 691.82, "amount_financed": 41756.25, "sales_tax": 2456.25, "total_of_payments": 49811.37, "finance_charge": 8055.12, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA1T0204528, VIN JM3KMDHA1T0204528. $692 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $39,300, before any dealer documentation fee. Amount financed $41,756, including $2,456 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $49,811. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA1T0204528_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 620, "unit": "per_month", "display": "$620/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 39300.0, "price_incl_doc": 39300.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 619.85, "amount_financed": 41756.25, "sales_tax": 2456.25, "total_of_payments": 52067.79, "finance_charge": 10311.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMDHA1T0204528, VIN JM3KMDHA1T0204528. $620 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $39,300, before any dealer documentation fee. Amount financed $41,756, including $2,456 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $52,068. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA1T0204528_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 561, "unit": "per_month", "display": "$561/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39300.0, "selling_price": 39300.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 560.74, "net_cap_cost": 39895.0, "residual_value": 24366.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 560.74, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 720.74}, "total_of_payments": 20196, "total_of_payments_unrounded": 20186.64}, "disclosure": "Estimated lease payment for stock #JM3KMDHA1T0204528, VIN JM3KMDHA1T0204528. $561 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $721, made up of $561 first payment, $60 title, $100 registration. MSRP $39,300. Lease selling price $39,300. Net capitalized cost $39,895. Residual value $24,366, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,196. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMDHA1T0204528_lease", "type": "lease", "label": "Lease", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 39300.0, "selling_price": 39300.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 467.45, "net_cap_cost": 36896.0, "residual_value": 24366.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 467.45, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3626.45}, "total_of_payments": 16812, "total_of_payments_unrounded": 16828.2}, "disclosure": "Estimated lease payment for stock #JM3KMDHA1T0204528, VIN JM3KMDHA1T0204528. $467 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,626, made up of $467 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $39,300. Lease selling price $39,300. Net capitalized cost $36,896. Residual value $24,366, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,812. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 329}}, {"vin": "7MMVABCY8TN491439", "title": "2026 Mazda CX-50 2.5 Turbo AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo AWD", "decoded_trim": null, "condition": "new", "price": 37579.0, "msrp": 40185.0, "sale_price": 37579.0, "currency": "USD", "mileage": 7, "exterior_color": "Cypress", "interior_color": "Black Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "2.5T 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,606. This offer applies to Stock #NRMD262775, VIN 7MMVABCY8TN491439. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,185. Advertised price: $37,579. Savings: $2,606, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,185"}, {"label": "Advertised price", "value": "$37,579"}, {"label": "Savings", "value": "$2,606, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,606", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 37579.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABCY8TN491439_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 762, "unit": "per_month", "display": "$762/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37579.0, "price_incl_doc": 37579.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 762.48, "amount_financed": 39927.69, "sales_tax": 2348.69, "total_of_payments": 45748.86, "finance_charge": 5821.17, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262775, VIN 7MMVABCY8TN491439. $762 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $37,579, before any dealer documentation fee. Amount financed $39,928, including $2,349 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $45,749. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN491439_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 662, "unit": "per_month", "display": "$662/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37579.0, "price_incl_doc": 37579.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 661.53, "amount_financed": 39927.69, "sales_tax": 2348.69, "total_of_payments": 47630.06, "finance_charge": 7702.37, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262775, VIN 7MMVABCY8TN491439. $662 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $37,579, before any dealer documentation fee. Amount financed $39,928, including $2,349 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $47,630. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN491439_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 37579.0, "price_incl_doc": 37579.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 592.71, "amount_financed": 39927.69, "sales_tax": 2348.69, "total_of_payments": 49787.67, "finance_charge": 9859.98, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262775, VIN 7MMVABCY8TN491439. $593 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $37,579, before any dealer documentation fee. Amount financed $39,928, including $2,349 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $49,788. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN491439_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 492, "unit": "per_month", "display": "$492/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40185.0, "selling_price": 37579.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 491.88, "net_cap_cost": 38174.0, "residual_value": 24914.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 491.88, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 651.88}, "total_of_payments": 17712, "total_of_payments_unrounded": 17707.68}, "disclosure": "Estimated lease payment for stock #NRMD262775, VIN 7MMVABCY8TN491439. $492 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $652, made up of $492 first payment, $60 title, $100 registration. MSRP $40,185. Lease selling price $37,579. Net capitalized cost $38,174. Residual value $24,915, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,712. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN491439_lease", "type": "lease", "label": "Lease", "headline": {"value": 399, "unit": "per_month", "display": "$399/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40185.0, "selling_price": 37579.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 398.59, "net_cap_cost": 35175.0, "residual_value": 24914.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 398.59, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3557.59}, "total_of_payments": 14364, "total_of_payments_unrounded": 14349.24}, "disclosure": "Estimated lease payment for stock #NRMD262775, VIN 7MMVABCY8TN491439. $399 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,558, made up of $399 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,185. Lease selling price $37,579. Net capitalized cost $35,175. Residual value $24,915, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,364. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 330}}, {"vin": "JM3KKDHC5T1392598", "title": "2026 Mazda CX-90 3.3 Turbo S Premium Sport AWD", "year": 2026, "make": "Mazda", "model": "CX-90", "trim": "3.3 Turbo S Premium Sport AWD", "decoded_trim": "S-Premium Sport", "condition": "new", "price": 52005.0, "msrp": 56515.0, "sale_price": 52005.0, "currency": "USD", "mileage": 7, "exterior_color": "Artisan Red Premium", "interior_color": "Black Nappa Leather Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "8-Speed Automatic w/OD", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "MD262819", "stock_status": "Available", 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"https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc5t1392598/2026-mazda-cx-90-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KKDHC5T1392598.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC5T1392598.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KKDHC5T1392598.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kkdhc5t1392598/2026-mazda-cx-90-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,510. This offer applies to Stock #MD262819, VIN JM3KKDHC5T1392598. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $56,515. Advertised price: $52,005. Savings: $4,510, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$56,515"}, {"label": "Advertised price", "value": "$52,005"}, {"label": "Savings", "value": "$4,510, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,510", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 52005.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC5T1392598_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 942, "unit": "per_month", "display": "$942/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52005.0, "price_incl_doc": 52005.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 942.14, "amount_financed": 55255.31, "sales_tax": 3250.31, "total_of_payments": 56528.59, "finance_charge": 1273.28, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262819, VIN JM3KKDHC5T1392598. $942 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $52,005, before any dealer documentation fee. Amount financed $55,255, including $3,250 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $56,529. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC5T1392598_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 820, "unit": "per_month", "display": "$820/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 52005.0, "price_incl_doc": 52005.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 820.24, "amount_financed": 55255.31, "sales_tax": 3250.31, "total_of_payments": 68900.39, "finance_charge": 13645.08, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262819, VIN JM3KKDHC5T1392598. $820 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $52,005, before any dealer documentation fee. Amount financed $55,255, including $3,250 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,900. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC5T1392598_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 658, "unit": "per_month", "display": "$658/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56515.0, "selling_price": 52005.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 657.96, "net_cap_cost": 52600.0, "residual_value": 35039.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 657.96, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 817.96}, "total_of_payments": 23688, "total_of_payments_unrounded": 23686.56}, "disclosure": "Estimated lease payment for stock #MD262819, VIN JM3KKDHC5T1392598. $658 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $818, made up of $658 first payment, $60 title, $100 registration. MSRP $56,515. Lease selling price $52,005. Net capitalized cost $52,600. Residual value $35,039, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,688. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC5T1392598_lease", "type": "lease", "label": "Lease", "headline": {"value": 565, "unit": "per_month", "display": "$565/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 56515.0, "selling_price": 52005.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 564.67, "net_cap_cost": 49601.0, "residual_value": 35039.3, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 564.67, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3723.67}, "total_of_payments": 20340, "total_of_payments_unrounded": 20328.12}, "disclosure": "Estimated lease payment for stock #MD262819, VIN JM3KKDHC5T1392598. $565 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,724, made up of $565 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $56,515. Lease selling price $52,005. Net capitalized cost $49,601. Residual value $35,039, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,340. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 314}}, {"vin": "JM3KJDHD8T1214230", "title": "2026 Mazda CX-70 3.3 Turbo Premium AWD", "year": 2026, "make": "Mazda", "model": "CX-70", "trim": "3.3 Turbo Premium AWD", "decoded_trim": "Premium, S-Premium", "condition": "new", "price": 48875.0, "msrp": 48875.0, "sale_price": 48875.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Griege Leather Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "3.3L SKYACTIV-G 6-cyl", "engine_displacement_l": 3.3, "engine_cylinders": 6, "transmission": "AUTOMATIC", "mpg_city": 23, "mpg_hwy": 28, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KJDHD8T1214230", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KJDHD8T1214230_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-70", "year": 2026, "trim": "Premium, S-Premium", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "3.3L 6-Cylinder In-Line", "engine_displacement_l": 3.3, "cylinders": 6, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 48875.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjdhd8t1214230/2026-mazda-cx-70-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjdhd8t1214230/2026-mazda-cx-70-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KJDHD8T1214230.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJDHD8T1214230.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KJDHD8T1214230.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kjdhd8t1214230/2026-mazda-cx-70-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KJDHD8T1214230, VIN JM3KJDHD8T1214230. Advertised price: $48,875. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$48,875"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 48875.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KJDHD8T1214230_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 885, "unit": "per_month", "display": "$885/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48875.0, "price_incl_doc": 48875.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-70 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 885.44, "amount_financed": 51929.69, "sales_tax": 3054.69, "total_of_payments": 53126.34, "finance_charge": 1196.65, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJDHD8T1214230, VIN JM3KJDHD8T1214230. $885 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $48,875, before any dealer documentation fee. Amount financed $51,930, including $3,055 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $53,126. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD8T1214230_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 771, "unit": "per_month", "display": "$771/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 48875.0, "price_incl_doc": 48875.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 770.88, "amount_financed": 51929.69, "sales_tax": 3054.69, "total_of_payments": 64753.52, "finance_charge": 12823.83, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KJDHD8T1214230, VIN JM3KJDHD8T1214230. $771 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $48,875, before any dealer documentation fee. Amount financed $51,930, including $3,055 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $64,754. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD8T1214230_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 693, "unit": "per_month", "display": "$693/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48875.0, "selling_price": 48875.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 692.84, "net_cap_cost": 49470.0, "residual_value": 30302.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 692.84, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 852.84}, "total_of_payments": 24948, "total_of_payments_unrounded": 24942.24}, "disclosure": "Estimated lease payment for stock #JM3KJDHD8T1214230, VIN JM3KJDHD8T1214230. $693 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $853, made up of $693 first payment, $60 title, $100 registration. MSRP $48,875. Lease selling price $48,875. Net capitalized cost $49,470. Residual value $30,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $24,948. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KJDHD8T1214230_lease", "type": "lease", "label": "Lease", "headline": {"value": 600, "unit": "per_month", "display": "$600/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 48875.0, "selling_price": 48875.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 599.55, "net_cap_cost": 46471.0, "residual_value": 30302.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 599.55, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3758.55}, "total_of_payments": 21600, "total_of_payments_unrounded": 21583.8}, "disclosure": "Estimated lease payment for stock #JM3KJDHD8T1214230, VIN JM3KJDHD8T1214230. $600 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,759, made up of $600 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $48,875. Lease selling price $48,875. Net capitalized cost $46,471. Residual value $30,302, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,600. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 342}}, {"vin": "JM1BPACL2T1890757", "title": "2026 Mazda MAZDA3 Sedan 2.5 S Preferred", "year": 2026, "make": "Mazda", "model": "MAZDA3 Sedan", "trim": "2.5 S Preferred", "decoded_trim": "Preferred", "condition": "new", "price": 29385.0, "msrp": 29385.0, "sale_price": 29385.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Greige Leatherette", "drivetrain": "FWD", "body_style": "4dr Car", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": 4, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 26, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "JM1BPACL2T1890757", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM1BPACL2T1890757_6.jpg"], "vin_decode": {"make": "Mazda", "model": "Mazda3", "year": 2026, "trim": "Preferred", "body_style": "Sedan/Saloon", "vehicle_type": "PASSENGER CAR", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4x2", "fuel_type": "Gasoline", "doors": 4}, "offers": [], "price_history": [], "window_sticker": {"msrp": 29385.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl2t1890757/2026-mazda-mazda3-sedan-4dr-car", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl2t1890757/2026-mazda-mazda3-sedan-4dr-car", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM1BPACL2T1890757.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL2T1890757.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM1BPACL2T1890757.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm1bpacl2t1890757/2026-mazda-mazda3-sedan-4dr-car", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. Advertised price: $29,385. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$29,385"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 29385.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM1BPACL2T1890757_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 596, "unit": "per_month", "display": "$596/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29385.0, "price_incl_doc": 29385.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 596.22, "amount_financed": 31221.56, "sales_tax": 1836.56, "total_of_payments": 35773.44, "finance_charge": 4551.88, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. $596 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $29,385, before any dealer documentation fee. Amount financed $31,222, including $1,837 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $35,773. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL2T1890757_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 517, "unit": "per_month", "display": "$517/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29385.0, "price_incl_doc": 29385.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 517.28, "amount_financed": 31221.56, "sales_tax": 1836.56, "total_of_payments": 37244.45, "finance_charge": 6022.89, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. $517 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $29,385, before any dealer documentation fee. Amount financed $31,222, including $1,837 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $37,244. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL2T1890757_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 463, "unit": "per_month", "display": "$463/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 29385.0, "price_incl_doc": 29385.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 463.47, "amount_financed": 31221.56, "sales_tax": 1836.56, "total_of_payments": 38931.6, "finance_charge": 7710.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. $463 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $29,385, before any dealer documentation fee. Amount financed $31,222, including $1,837 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $38,932. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL2T1890757_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 424, "unit": "per_month", "display": "$424/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29385.0, "selling_price": 29385.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 423.94, "net_cap_cost": 29980.0, "residual_value": 18218.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 423.94, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 583.94}, "total_of_payments": 15264, "total_of_payments_unrounded": 15261.84}, "disclosure": "Estimated lease payment for stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. $424 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $584, made up of $424 first payment, $60 title, $100 registration. MSRP $29,385. Lease selling price $29,385. Net capitalized cost $29,980. Residual value $18,219, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,264. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM1BPACL2T1890757_lease", "type": "lease", "label": "Lease", "headline": {"value": 331, "unit": "per_month", "display": "$331/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 29385.0, "selling_price": 29385.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 330.65, "net_cap_cost": 26981.0, "residual_value": 18218.7, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 330.65, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3489.65}, "total_of_payments": 11916, "total_of_payments_unrounded": 11903.4}, "disclosure": "Estimated lease payment for stock #JM1BPACL2T1890757, VIN JM1BPACL2T1890757. $331 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,490, made up of $331 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $29,385. Lease selling price $29,385. Net capitalized cost $26,981. Residual value $18,219, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,916. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 343}}, {"vin": "JM3KMAHA2T0205721", "title": "2026 Mazda CX-5 2.5 S AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S AWD", "decoded_trim": "S", "condition": "new", "price": 32495.0, "msrp": 32495.0, "sale_price": 32495.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Cloth", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMAHA2T0205721", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMAHA2T0205721_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "S", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 32495.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmaha2t0205721/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmaha2t0205721/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMAHA2T0205721.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMAHA2T0205721.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMAHA2T0205721.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmaha2t0205721/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. Advertised price: $32,495. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,495"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32495.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMAHA2T0205721_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 659, "unit": "per_month", "display": "$659/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32495.0, "price_incl_doc": 32495.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 659.33, "amount_financed": 34525.94, "sales_tax": 2030.94, "total_of_payments": 39559.57, "finance_charge": 5033.63, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. $659 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $32,495, before any dealer documentation fee. Amount financed $34,526, including $2,031 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $39,560. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA2T0205721_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 572, "unit": "per_month", "display": "$572/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32495.0, "price_incl_doc": 32495.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.03, "amount_financed": 34525.94, "sales_tax": 2030.94, "total_of_payments": 41186.27, "finance_charge": 6660.33, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. $572 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $32,495, before any dealer documentation fee. Amount financed $34,526, including $2,031 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $41,186. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA2T0205721_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 513, "unit": "per_month", "display": "$513/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32495.0, "price_incl_doc": 32495.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 512.52, "amount_financed": 34525.94, "sales_tax": 2030.94, "total_of_payments": 43051.98, "finance_charge": 8526.04, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. $513 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $32,495, before any dealer documentation fee. Amount financed $34,526, including $2,031 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $43,052. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA2T0205721_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 467, "unit": "per_month", "display": "$467/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32495.0, "selling_price": 32495.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 466.85, "net_cap_cost": 33090.0, "residual_value": 20146.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 466.85, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 626.85}, "total_of_payments": 16812, "total_of_payments_unrounded": 16806.6}, "disclosure": "Estimated lease payment for stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. $467 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $627, made up of $467 first payment, $60 title, $100 registration. MSRP $32,495. Lease selling price $32,495. Net capitalized cost $33,090. Residual value $20,147, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $16,812. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMAHA2T0205721_lease", "type": "lease", "label": "Lease", "headline": {"value": 374, "unit": "per_month", "display": "$374/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32495.0, "selling_price": 32495.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 373.56, "net_cap_cost": 30091.0, "residual_value": 20146.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 373.56, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3532.56}, "total_of_payments": 13464, "total_of_payments_unrounded": 13448.16}, "disclosure": "Estimated lease payment for stock #JM3KMAHA2T0205721, VIN JM3KMAHA2T0205721. $374 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,533, made up of $374 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,495. Lease selling price $32,495. Net capitalized cost $30,091. Residual value $20,147, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $13,464. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 307}}, {"vin": "7MMVABCY8TN481316", "title": "2026 Mazda CX-50 2.5 Turbo AWD", "year": 2026, "make": "Mazda", "model": "CX-50", "trim": "2.5 Turbo AWD", "decoded_trim": null, "condition": "new", "price": 38105.0, "msrp": 40775.0, "sale_price": 38105.0, "currency": "USD", "mileage": 6, "exterior_color": "Wind Chill Pearl", "interior_color": "Terracotta Leather", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, 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Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabcy8tn481316/2026-mazda-cx-50-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVABCY8TN481316.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABCY8TN481316.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVABCY8TN481316.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvabcy8tn481316/2026-mazda-cx-50-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $2,670. This offer applies to Stock #MD262593, VIN 7MMVABCY8TN481316. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $40,775. Advertised price: $38,105. Savings: $2,670, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$40,775"}, {"label": "Advertised price", "value": "$38,105"}, {"label": "Savings", "value": "$2,670, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $2,670", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 38105.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVABCY8TN481316_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 773, "unit": "per_month", "display": "$773/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38105.0, "price_incl_doc": 38105.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 773.15, "amount_financed": 40486.56, "sales_tax": 2381.56, "total_of_payments": 46389.21, "finance_charge": 5902.65, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262593, VIN 7MMVABCY8TN481316. $773 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $38,105, before any dealer documentation fee. Amount financed $40,487, including $2,382 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $46,389. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN481316_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 671, "unit": "per_month", "display": "$671/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38105.0, "price_incl_doc": 38105.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 670.79, "amount_financed": 40486.56, "sales_tax": 2381.56, "total_of_payments": 48296.74, "finance_charge": 7810.18, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262593, VIN 7MMVABCY8TN481316. $671 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $38,105, before any dealer documentation fee. Amount financed $40,487, including $2,382 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $48,297. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN481316_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 601, "unit": "per_month", "display": "$601/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 38105.0, "price_incl_doc": 38105.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 601.01, "amount_financed": 40486.56, "sales_tax": 2381.56, "total_of_payments": 50484.56, "finance_charge": 9998.0, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262593, VIN 7MMVABCY8TN481316. $601 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $38,105, before any dealer documentation fee. Amount financed $40,487, including $2,382 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $50,485. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN481316_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 498, "unit": "per_month", "display": "$498/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40775.0, "selling_price": 38105.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 498.03, "net_cap_cost": 38700.0, "residual_value": 25280.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 498.03, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 658.03}, "total_of_payments": 17928, "total_of_payments_unrounded": 17929.08}, "disclosure": "Estimated lease payment for stock #MD262593, VIN 7MMVABCY8TN481316. $498 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $658, made up of $498 first payment, $60 title, $100 registration. MSRP $40,775. Lease selling price $38,105. Net capitalized cost $38,700. Residual value $25,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,928. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVABCY8TN481316_lease", "type": "lease", "label": "Lease", "headline": {"value": 405, "unit": "per_month", "display": "$405/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 40775.0, "selling_price": 38105.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 404.74, "net_cap_cost": 35701.0, "residual_value": 25280.5, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 404.74, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3563.74}, "total_of_payments": 14580, "total_of_payments_unrounded": 14570.64}, "disclosure": "Estimated lease payment for stock #MD262593, VIN 7MMVABCY8TN481316. $405 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,564, made up of $405 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $40,775. Lease selling price $38,105. Net capitalized cost $35,701. Residual value $25,280, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,580. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $4,434. This offer applies to Stock #NRMD262738, VIN JM3KKDHC9T1387355. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $55,895. Advertised price: $51,461. Savings: $4,434, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$55,895"}, {"label": "Advertised price", "value": "$51,461"}, {"label": "Savings", "value": "$4,434, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $4,434", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51461.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKDHC9T1387355_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 932, "unit": "per_month", "display": "$932/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51461.0, "price_incl_doc": 51461.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 0.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-90 \u2014 0.9% APR Plus Deferred Payments For 90 Days", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 932.29, "amount_financed": 54677.31, "sales_tax": 3216.31, "total_of_payments": 55937.27, "finance_charge": 1259.96, "per_1000_financed": 17.05, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262738, VIN JM3KKDHC9T1387355. $932 per month for 60 months at 0.9% APR, $0 cash down. Advertised price $51,461, before any dealer documentation fee. Amount financed $54,677, including $3,216 estimated sales tax at 6.25%. That is $17.05 per $1,000 financed. Total of payments $55,937. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1387355_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 812, "unit": "per_month", "display": "$812/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51461.0, "price_incl_doc": 51461.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 811.66, "amount_financed": 54677.31, "sales_tax": 3216.31, "total_of_payments": 68179.65, "finance_charge": 13502.34, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #NRMD262738, VIN JM3KKDHC9T1387355. $812 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,461, before any dealer documentation fee. Amount financed $54,677, including $3,216 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,180. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1387355_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 652, "unit": "per_month", "display": "$652/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 55895.0, "selling_price": 51461.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 651.77, "net_cap_cost": 52056.0, "residual_value": 34654.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 651.77, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 811.77}, "total_of_payments": 23472, "total_of_payments_unrounded": 23463.72}, "disclosure": "Estimated lease payment for stock #NRMD262738, VIN JM3KKDHC9T1387355. $652 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $812, made up of $652 first payment, $60 title, $100 registration. MSRP $55,895. Lease selling price $51,461. Net capitalized cost $52,056. Residual value $34,655, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $23,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKDHC9T1387355_lease", "type": "lease", "label": "Lease", "headline": {"value": 558, "unit": "per_month", "display": "$558/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 55895.0, "selling_price": 51461.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 558.48, "net_cap_cost": 49057.0, "residual_value": 34654.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 558.48, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3717.48}, "total_of_payments": 20088, "total_of_payments_unrounded": 20105.28}, "disclosure": "Estimated lease payment for stock #NRMD262738, VIN JM3KKDHC9T1387355. $558 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,717, made up of $558 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $55,895. Lease selling price $51,461. Net capitalized cost $49,057. Residual value $34,655, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $20,088. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 438}}, {"vin": "JM3KMEHA0T0179515", "title": "2026 Mazda CX-5 2.5 S Premium Plus AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Premium Plus AWD", "decoded_trim": "Premium Plus", "condition": "new", "price": 41220.0, "msrp": 41220.0, "sale_price": 41220.0, "currency": "USD", "mileage": null, "exterior_color": "Jet Black Mica", "interior_color": "Sport Tan Leather", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 30, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMEHA0T0179515", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMEHA0T0179515_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Premium Plus", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 41220.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0179515/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0179515/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMEHA0T0179515.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA0T0179515.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMEHA0T0179515.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmeha0t0179515/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. Advertised price: $41,220. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$41,220"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 41220.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMEHA0T0179515_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 836, "unit": "per_month", "display": "$836/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41220.0, "price_incl_doc": 41220.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 836.36, "amount_financed": 43796.25, "sales_tax": 2576.25, "total_of_payments": 50181.43, "finance_charge": 6385.18, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. $836 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $41,220, before any dealer documentation fee. Amount financed $43,796, including $2,576 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $50,181. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0179515_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 726, "unit": "per_month", "display": "$726/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41220.0, "price_incl_doc": 41220.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 725.62, "amount_financed": 43796.25, "sales_tax": 2576.25, "total_of_payments": 52244.9, "finance_charge": 8448.65, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. $726 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $41,220, before any dealer documentation fee. Amount financed $43,796, including $2,576 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $52,245. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0179515_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 650, "unit": "per_month", "display": "$650/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 41220.0, "price_incl_doc": 41220.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 650.14, "amount_financed": 43796.25, "sales_tax": 2576.25, "total_of_payments": 54611.56, "finance_charge": 10815.31, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. $650 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $41,220, before any dealer documentation fee. Amount financed $43,796, including $2,576 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $54,612. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0179515_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 587, "unit": "per_month", "display": "$587/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41220.0, "selling_price": 41220.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 587.23, "net_cap_cost": 41815.0, "residual_value": 25556.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 587.23, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 747.23}, "total_of_payments": 21132, "total_of_payments_unrounded": 21140.28}, "disclosure": "Estimated lease payment for stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. $587 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $747, made up of $587 first payment, $60 title, $100 registration. MSRP $41,220. Lease selling price $41,220. Net capitalized cost $41,815. Residual value $25,556, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $21,132. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMEHA0T0179515_lease", "type": "lease", "label": "Lease", "headline": {"value": 494, "unit": "per_month", "display": "$494/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 41220.0, "selling_price": 41220.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 493.94, "net_cap_cost": 38816.0, "residual_value": 25556.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 493.94, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3652.94}, "total_of_payments": 17784, "total_of_payments_unrounded": 17781.84}, "disclosure": "Estimated lease payment for stock #JM3KMEHA0T0179515, VIN JM3KMEHA0T0179515. $494 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,653, made up of $494 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $41,220. Lease selling price $41,220. Net capitalized cost $38,816. Residual value $25,556, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $17,784. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 440}}, {"vin": "7MMVAABW9TN183920", "title": "2026 Mazda CX-50 Hybrid Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-50 Hybrid", "trim": "Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36370.0, "msrp": 36370.0, "sale_price": 36370.0, "currency": "USD", "mileage": null, "exterior_color": "Ingot Blue Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "CVT", "mpg_city": 39, "mpg_hwy": 37, "range_miles": null, "battery_kwh": null, "stock_number": "7MMVAABW9TN183920", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/7MMVAABW9TN183920_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-50", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36370.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183920/2026-mazda-cx-50-hybrid-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183920/2026-mazda-cx-50-hybrid-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/7MMVAABW9TN183920.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183920.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/7MMVAABW9TN183920.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/7mmvaabw9tn183920/2026-mazda-cx-50-hybrid-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. Advertised price: $36,370. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,370"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36370.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_7MMVAABW9TN183920_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 738, "unit": "per_month", "display": "$738/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36370.0, "price_incl_doc": 36370.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 737.95, "amount_financed": 38643.13, "sales_tax": 2273.13, "total_of_payments": 44277.02, "finance_charge": 5633.89, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. $738 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,370, before any dealer documentation fee. Amount financed $38,643, including $2,273 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,277. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183920_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 640, "unit": "per_month", "display": "$640/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36370.0, "price_incl_doc": 36370.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 640.25, "amount_financed": 38643.13, "sales_tax": 2273.13, "total_of_payments": 46097.7, "finance_charge": 7454.57, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. $640 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,370, before any dealer documentation fee. Amount financed $38,643, including $2,273 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,098. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183920_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 574, "unit": "per_month", "display": "$574/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36370.0, "price_incl_doc": 36370.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 573.64, "amount_financed": 38643.13, "sales_tax": 2273.13, "total_of_payments": 48185.9, "finance_charge": 9542.77, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. $574 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,370, before any dealer documentation fee. Amount financed $38,643, including $2,273 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,186. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183920_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36370.0, "selling_price": 36370.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 520.31, "net_cap_cost": 36965.0, "residual_value": 22549.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 520.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 680.31}, "total_of_payments": 18720, "total_of_payments_unrounded": 18731.16}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. $520 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $680, made up of $520 first payment, $60 title, $100 registration. MSRP $36,370. Lease selling price $36,370. Net capitalized cost $36,965. Residual value $22,549, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_7MMVAABW9TN183920_lease", "type": "lease", "label": "Lease", "headline": {"value": 427, "unit": "per_month", "display": "$427/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36370.0, "selling_price": 36370.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 427.02, "net_cap_cost": 33966.0, "residual_value": 22549.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 427.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3586.02}, "total_of_payments": 15372, "total_of_payments_unrounded": 15372.72}, "disclosure": "Estimated lease payment for stock #7MMVAABW9TN183920, VIN 7MMVAABW9TN183920. $427 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,586, made up of $427 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,370. Lease selling price $36,370. Net capitalized cost $33,966. Residual value $22,549, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,372. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 32, "elapsed_ms": 466}}, {"vin": "5TDABAB66RS005882", "title": "2024 Lexus TX TX 500h F SPORT Premium", "year": 2024, "make": "Lexus", "model": "TX", "trim": "TX 500h F SPORT Premium", "decoded_trim": "500h", "condition": "used", "price": 64224.0, "msrp": 63811.0, "sale_price": 64311.0, "currency": "USD", "mileage": 36270, "exterior_color": "Nightfall Mica", "interior_color": "Birch", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Hybrid Fuel", "doors": 4, 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See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 64224.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. 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This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64224.0, "price_incl_doc": 64224.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1334.84, "amount_financed": 68238.0, "sales_tax": 4014.0, "total_of_payments": 80090.11, "finance_charge": 11852.11, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0514, VIN 5TDABAB66RS005882. $1,335 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $64,224, before any dealer documentation fee. Amount financed $68,238, including $4,014 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $80,090. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_5TDABAB66RS005882_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 1163, "unit": "per_month", "display": "$1,163/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 64224.0, "price_incl_doc": 64224.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1163.06, "amount_financed": 68238.0, "sales_tax": 4014.0, "total_of_payments": 83740.5, "finance_charge": 15502.5, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PGD0514, VIN 5TDABAB66RS005882. $1,163 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $64,224, before any dealer documentation fee. Amount financed $68,238, including $4,014 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $83,740. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $6,649. This offer applies to Stock #MD262402, VIN JM3KKCHA7T1364522. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $58,400. Advertised price: $51,751. Savings: $6,649, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$58,400"}, {"label": "Advertised price", "value": "$51,751"}, {"label": "Savings", "value": "$6,649, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $6,649", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 51751.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KKCHA7T1364522_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 1050, "unit": "per_month", "display": "$1,050/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51751.0, "price_incl_doc": 51751.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 1050.03, "amount_financed": 54985.44, "sales_tax": 3234.44, "total_of_payments": 63001.92, "finance_charge": 8016.48, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262402, VIN JM3KKCHA7T1364522. $1,050 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $51,751, before any dealer documentation fee. Amount financed $54,985, including $3,234 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $63,002. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA7T1364522_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 911, "unit": "per_month", "display": "$911/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51751.0, "price_incl_doc": 51751.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 911.01, "amount_financed": 54985.44, "sales_tax": 3234.44, "total_of_payments": 65592.58, "finance_charge": 10607.14, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262402, VIN JM3KKCHA7T1364522. $911 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $51,751, before any dealer documentation fee. Amount financed $54,985, including $3,234 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $65,593. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA7T1364522_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 816, "unit": "per_month", "display": "$816/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 51751.0, "price_incl_doc": 51751.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 816.24, "amount_financed": 54985.44, "sales_tax": 3234.44, "total_of_payments": 68563.88, "finance_charge": 13578.44, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262402, VIN JM3KKCHA7T1364522. $816 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $51,751, before any dealer documentation fee. Amount financed $54,985, including $3,234 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $68,564. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA7T1364522_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 617, "unit": "per_month", "display": "$617/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58400.0, "selling_price": 51751.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 617.43, "net_cap_cost": 52346.0, "residual_value": 36208.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 617.43, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 777.43}, "total_of_payments": 22212, "total_of_payments_unrounded": 22227.48}, "disclosure": "Estimated lease payment for stock #MD262402, VIN JM3KKCHA7T1364522. $617 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $777, made up of $617 first payment, $60 title, $100 registration. MSRP $58,400. Lease selling price $51,751. Net capitalized cost $52,346. Residual value $36,208, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $22,212. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KKCHA7T1364522_lease", "type": "lease", "label": "Lease", "headline": {"value": 524, "unit": "per_month", "display": "$524/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 58400.0, "selling_price": 51751.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 524.14, "net_cap_cost": 49347.0, "residual_value": 36208.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 524.14, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3683.14}, "total_of_payments": 18864, "total_of_payments_unrounded": 18869.04}, "disclosure": "Estimated lease payment for stock #MD262402, VIN JM3KKCHA7T1364522. $524 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,683, made up of $524 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $58,400. Lease selling price $51,751. Net capitalized cost $49,347. Residual value $36,208, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,864. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 5, "suppressed": 1, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 481}}, {"vin": "1V2DNPE82PC034104", "title": "2023 Volkswagen ID.4 Pro", "year": 2023, "make": "Volkswagen", "model": "ID.4", "trim": "Pro", "decoded_trim": "Pro", "condition": "used", "price": 25072.0, "msrp": 24659.0, "sale_price": 24995.0, "currency": "USD", "mileage": 29278, "exterior_color": "Arctic Blue Metallic", "interior_color": "Gray", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Electric Fuel System", "doors": 4, "seating_capacity": null, "engine": "Electric", "engine_displacement_l": null, "engine_cylinders": null, "transmission": "1-Speed Automatic", "mpg_city": 104, "mpg_hwy": 93, "range_miles": null, "battery_kwh": null, "stock_number": "PDV1032", "stock_status": "Available", "availability": "In Stock", "availability_schema": 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Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #PDV1032, VIN 1V2DNPE82PC034104. Advertised price: $25,072. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$25,072"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 25072.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1V2DNPE82PC034104_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 626, "unit": "per_month", "display": "$626/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25072.0, "price_incl_doc": 25072.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 625.5, "amount_financed": 26639.0, "sales_tax": 1567.0, "total_of_payments": 30023.79, "finance_charge": 3384.79, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1032, VIN 1V2DNPE82PC034104. $626 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $25,072, before any dealer documentation fee. Amount financed $26,639, including $1,567 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $30,024. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2DNPE82PC034104_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 521, "unit": "per_month", "display": "$521/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25072.0, "price_incl_doc": 25072.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 521.1, "amount_financed": 26639.0, "sales_tax": 1567.0, "total_of_payments": 31265.87, "finance_charge": 4626.87, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1032, VIN 1V2DNPE82PC034104. $521 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $25,072, before any dealer documentation fee. Amount financed $26,639, including $1,567 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $31,266. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1V2DNPE82PC034104_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 454, "unit": "per_month", "display": "$454/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 25072.0, "price_incl_doc": 25072.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 454.04, "amount_financed": 26639.0, "sales_tax": 1567.0, "total_of_payments": 32690.92, "finance_charge": 6051.92, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV1032, VIN 1V2DNPE82PC034104. $454 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $25,072, before any dealer documentation fee. Amount financed $26,639, including $1,567 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $32,691. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. 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See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$32,762"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 32762.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_1GKKNULS7PZ260579_finance_48", "type": "finance_48", "label": "Finance", "headline": {"value": 817, "unit": "per_month", "display": "$817/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32762.0, "price_incl_doc": 32762.0, "doc_fee": null, "down_payment": 0.0, "term": 48, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 817.35, "amount_financed": 34809.63, "sales_tax": 2047.63, "total_of_payments": 39232.59, "finance_charge": 4422.96, "per_1000_financed": 23.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0954, VIN 1GKKNULS7PZ260579. $817 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $32,762, before any dealer documentation fee. Amount financed $34,810, including $2,048 estimated sales tax at 6.25%. That is $23.48 per $1,000 financed. Total of payments $39,233. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKKNULS7PZ260579_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 681, "unit": "per_month", "display": "$681/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32762.0, "price_incl_doc": 32762.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 680.93, "amount_financed": 34809.63, "sales_tax": 2047.63, "total_of_payments": 40855.64, "finance_charge": 6046.01, "per_1000_financed": 19.56, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0954, VIN 1GKKNULS7PZ260579. $681 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $32,762, before any dealer documentation fee. Amount financed $34,810, including $2,048 estimated sales tax at 6.25%. That is $19.56 per $1,000 financed. Total of payments $40,856. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_1GKKNULS7PZ260579_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 593, "unit": "per_month", "display": "$593/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 32762.0, "price_incl_doc": 32762.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 6.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 593.3, "amount_financed": 34809.63, "sales_tax": 2047.63, "total_of_payments": 42717.78, "finance_charge": 7908.15, "per_1000_financed": 17.04, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #PDV0954, VIN 1GKKNULS7PZ260579. $593 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $32,762, before any dealer documentation fee. Amount financed $34,810, including $2,048 estimated sales tax at 6.25%. That is $17.04 per $1,000 financed. Total of payments $42,718. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "price_drop", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 3, "suppressed": 1, "advertisable": 0}, "engine_calls": 0, "elapsed_ms": 0}}, {"vin": "JM3KMCHA5T0187520", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36800.0, "msrp": 36800.0, "sale_price": 36950.0, "currency": "USD", "mileage": null, "exterior_color": "Machine Gray Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA5T0187520", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA5T0187520_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36800.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0187520/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0187520/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA5T0187520.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0187520.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA5T0187520.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha5t0187520/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. Advertised price: $36,800. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,800"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36800.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA5T0187520_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 747, "unit": "per_month", "display": "$747/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36800.0, "price_incl_doc": 36800.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 746.67, "amount_financed": 39100.0, "sales_tax": 2300.0, "total_of_payments": 44800.5, "finance_charge": 5700.5, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. $747 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,800, before any dealer documentation fee. Amount financed $39,100, including $2,300 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,800. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0187520_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 648, "unit": "per_month", "display": "$648/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36800.0, "price_incl_doc": 36800.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 647.82, "amount_financed": 39100.0, "sales_tax": 2300.0, "total_of_payments": 46642.71, "finance_charge": 7542.71, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. $648 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,800, before any dealer documentation fee. Amount financed $39,100, including $2,300 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,643. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0187520_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 580, "unit": "per_month", "display": "$580/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36800.0, "price_incl_doc": 36800.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 580.42, "amount_financed": 39100.0, "sales_tax": 2300.0, "total_of_payments": 48755.59, "finance_charge": 9655.59, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. $580 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,800, before any dealer documentation fee. Amount financed $39,100, including $2,300 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,756. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0187520_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 526, "unit": "per_month", "display": "$526/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36800.0, "selling_price": 36800.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 526.24, "net_cap_cost": 37395.0, "residual_value": 22816.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 526.24, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 686.24}, "total_of_payments": 18936, "total_of_payments_unrounded": 18944.64}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. $526 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $686, made up of $526 first payment, $60 title, $100 registration. MSRP $36,800. Lease selling price $36,800. Net capitalized cost $37,395. Residual value $22,816, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,936. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA5T0187520_lease", "type": "lease", "label": "Lease", "headline": {"value": 433, "unit": "per_month", "display": "$433/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36800.0, "selling_price": 36800.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 432.95, "net_cap_cost": 34396.0, "residual_value": 22816.0, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 432.95, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3591.95}, "total_of_payments": 15588, "total_of_payments_unrounded": 15586.2}, "disclosure": "Estimated lease payment for stock #JM3KMCHA5T0187520, VIN JM3KMCHA5T0187520. $433 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,592, made up of $433 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,800. Lease selling price $36,800. Net capitalized cost $34,396. Residual value $22,816, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,588. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 456}}, {"vin": "JM3KMCHAXT0173788", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36320.0, "msrp": 36320.0, "sale_price": 36320.0, "currency": "USD", "mileage": null, "exterior_color": "Navy Blue Mica", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHAXT0173788", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_1.jpg", "images": ["https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_1.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_2.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_3.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_4.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_5.jpg", "https://mazda.assets.shiftdigitalinventory.com/images/JM3KMCHAXT0173788_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36320.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173788/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173788/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHAXT0173788.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0173788.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHAXT0173788.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmchaxt0173788/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. Advertised price: $36,320. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,320"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36320.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHAXT0173788_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 737, "unit": "per_month", "display": "$737/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 736.94, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 44216.14, "finance_charge": 5626.14, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. $737 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,216. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173788_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 639, "unit": "per_month", "display": "$639/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 639.37, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 46034.32, "finance_charge": 7444.32, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. $639 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,034. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173788_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 573, "unit": "per_month", "display": "$573/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36320.0, "price_incl_doc": 36320.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 572.85, "amount_financed": 38590.0, "sales_tax": 2270.0, "total_of_payments": 48119.65, "finance_charge": 9529.65, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. $573 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,320, before any dealer documentation fee. Amount financed $38,590, including $2,270 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,120. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173788_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 520, "unit": "per_month", "display": "$520/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36320.0, "selling_price": 36320.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 519.62, "net_cap_cost": 36915.0, "residual_value": 22518.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 519.62, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 679.62}, "total_of_payments": 18720, "total_of_payments_unrounded": 18706.32}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. $520 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $680, made up of $520 first payment, $60 title, $100 registration. MSRP $36,320. Lease selling price $36,320. Net capitalized cost $36,915. Residual value $22,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,720. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHAXT0173788_lease", "type": "lease", "label": "Lease", "headline": {"value": 426, "unit": "per_month", "display": "$426/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36320.0, "selling_price": 36320.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 426.33, "net_cap_cost": 33916.0, "residual_value": 22518.4, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 426.33, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3585.33}, "total_of_payments": 15336, "total_of_payments_unrounded": 15347.88}, "disclosure": "Estimated lease payment for stock #JM3KMCHAXT0173788, VIN JM3KMCHAXT0173788. $426 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,585, made up of $426 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,320. Lease selling price $36,320. Net capitalized cost $33,916. Residual value $22,518, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,336. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 31, "elapsed_ms": 455}}, {"vin": "3MVDMBDL9TM118585", "title": "2026 Mazda CX-30 2.5 S Premium", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Premium", "decoded_trim": "Premium Package", "condition": "new", "price": 35645.0, "msrp": 35645.0, "sale_price": 34061.0, "currency": "USD", "mileage": 150, "exterior_color": "Aero Gray Metallic", "interior_color": "Black", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, "seating_capacity": null, "engine": "Regular Unleaded I-4 2.5 L/152", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "6-Speed Automatic w/OD", "mpg_city": 24, "mpg_hwy": 31, "range_miles": null, "battery_kwh": null, "stock_number": "MD262510X", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": 378.0, "photo_count": 1, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/3MVDMBDL9TM118585_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-30", "year": 2026, "trim": "Premium Package", "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 35645.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbdl9tm118585/2026-mazda-cx-30-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbdl9tm118585/2026-mazda-cx-30-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBDL9TM118585.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBDL9TM118585.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBDL9TM118585.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbdl9tm118585/2026-mazda-cx-30-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #MD262510X, VIN 3MVDMBDL9TM118585. Advertised price: $35,645. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$35,645"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 35645.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBDL9TM118585_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 662, "unit": "per_month", "display": "$662/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35645.0, "price_incl_doc": 35645.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 662.17, "amount_financed": 37872.81, "sales_tax": 2227.81, "total_of_payments": 39730.2, "finance_charge": 1857.39, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262510X, VIN 3MVDMBDL9TM118585. $662 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $35,645, before any dealer documentation fee. Amount financed $37,873, including $2,228 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $39,730. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDL9TM118585_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 562, "unit": "per_month", "display": "$562/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 35645.0, "price_incl_doc": 35645.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 562.21, "amount_financed": 37872.81, "sales_tax": 2227.81, "total_of_payments": 47225.35, "finance_charge": 9352.54, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262510X, VIN 3MVDMBDL9TM118585. $562 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $35,645, before any dealer documentation fee. Amount financed $37,873, including $2,228 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $47,225. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDL9TM118585_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 510, "unit": "per_month", "display": "$510/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35645.0, "selling_price": 35645.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 510.31, "net_cap_cost": 36240.0, "residual_value": 22099.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 510.31, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 670.31}, "total_of_payments": 18360, "total_of_payments_unrounded": 18371.16}, "disclosure": "Estimated lease payment for stock #MD262510X, VIN 3MVDMBDL9TM118585. $510 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $670, made up of $510 first payment, $60 title, $100 registration. MSRP $35,645. Lease selling price $35,645. Net capitalized cost $36,240. Residual value $22,100, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,360. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBDL9TM118585_lease", "type": "lease", "label": "Lease", "headline": {"value": 417, "unit": "per_month", "display": "$417/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 35645.0, "selling_price": 35645.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 417.02, "net_cap_cost": 33241.0, "residual_value": 22099.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 417.02, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3576.02}, "total_of_payments": 15012, "total_of_payments_unrounded": 15012.72}, "disclosure": "Estimated lease payment for stock #MD262510X, VIN 3MVDMBDL9TM118585. $417 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,576, made up of $417 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $35,645. Lease selling price $35,645. Net capitalized cost $33,241. Residual value $22,100, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,012. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 4, "suppressed": 0, "advertisable": 0}, "engine_calls": 30, "elapsed_ms": 431}}, {"vin": "JM3KMCHA9T0175368", "title": "2026 Mazda CX-5 2.5 S Preferred AWD", "year": 2026, "make": "Mazda", "model": "CX-5", "trim": "2.5 S Preferred AWD", "decoded_trim": "Preferred", "condition": "new", "price": 36560.0, "msrp": 36560.0, "sale_price": 36560.0, "currency": "USD", "mileage": null, "exterior_color": "Rhodium White Metallic", "interior_color": "Black Leatherette", "drivetrain": "AWD", "body_style": "Sport Utility", "vehicle_type": "car", "fuel_type": "Gasoline", "doors": null, "seating_capacity": null, "engine": "2.5L SKYACTIV-G 4-cyl", "engine_displacement_l": 2.5, "engine_cylinders": 4, "transmission": "AUTOMATIC", "mpg_city": 24, "mpg_hwy": 29, "range_miles": null, "battery_kwh": null, "stock_number": "JM3KMCHA9T0175368", "stock_status": "Available", "availability": "In Stock", "availability_schema": "https://schema.org/InStock", "in_transit": false, "dealer_fees": null, "photo_count": 6, "primary_image": "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_1.jpg", "images": ["https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_1.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_2.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_3.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_4.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_5.jpg", "https://mazda.stockassets.shiftdigitalinventory.com/images/JM3KMCHA9T0175368_6.jpg"], "vin_decode": {"make": "Mazda", "model": "CX-5", "year": 2026, "trim": "Preferred", "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)", "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)", "engine": "2.5L 4-Cylinder In-Line", "engine_displacement_l": 2.5, "cylinders": 4, "drive_type": "4WD", "fuel_type": "Gasoline", "doors": null}, "offers": [], "price_history": [], "window_sticker": {"msrp": 36560.0, "monroney_url": null, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0175368/2026-mazda-cx-5-sport-utility", "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."}, "dealer": {"name": "Castle Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0175368/2026-mazda-cx-5-sport-utility", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/JM3KMCHA9T0175368.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0175368.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/JM3KMCHA9T0175368.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/jm3kmcha9t0175368/2026-mazda-cx-5-sport-utility", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "price.v1", "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.", "full": "This offer applies to Stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. Advertised price: $36,560. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Advertised price", "value": "$36,560"}], "advertised": "", "expires": null, "required_missing": ["what the savings figure is measured from"], "required_missing_keys": ["savings_basis"], "unsubstantiated": [], "substantiated": true, "reason": "required disclosure elements missing: what the savings figure is measured from", "advertisable": false, "estimate_only": true, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 36560.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_JM3KMCHA9T0175368_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 742, "unit": "per_month", "display": "$742/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 5.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 741.81, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 44508.32, "finance_charge": 5663.32, "per_1000_financed": 19.1, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. $742 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $44,508. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0175368_finance_72", "type": "finance_72", "label": "Finance", "headline": {"value": 644, "unit": "per_month", "display": "$644/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 72, "apr": 5.99, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 643.59, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 46338.51, "finance_charge": 7493.51, "per_1000_financed": 16.57, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. $644 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $46,339. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0175368_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 577, "unit": "per_month", "display": "$577/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 36560.0, "price_incl_doc": 36560.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 576.64, "amount_financed": 38845.0, "sales_tax": 2285.0, "total_of_payments": 48437.62, "finance_charge": 9592.62, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. $577 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $36,560, before any dealer documentation fee. Amount financed $38,845, including $2,285 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $48,438. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0175368_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 523, "unit": "per_month", "display": "$523/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36560.0, "selling_price": 36560.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 522.93, "net_cap_cost": 37155.0, "residual_value": 22667.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 522.93, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 682.93}, "total_of_payments": 18828, "total_of_payments_unrounded": 18825.48}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. $523 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $683, made up of $523 first payment, $60 title, $100 registration. MSRP $36,560. Lease selling price $36,560. Net capitalized cost $37,155. Residual value $22,667, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $18,828. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_JM3KMCHA9T0175368_lease", "type": "lease", "label": "Lease", "headline": {"value": 430, "unit": "per_month", "display": "$430/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 36560.0, "selling_price": 36560.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 429.64, "net_cap_cost": 34156.0, "residual_value": 22667.2, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 429.64, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3588.64}, "total_of_payments": 15480, "total_of_payments_unrounded": 15467.04}, "disclosure": "Estimated lease payment for stock #JM3KMCHA9T0175368, VIN JM3KMCHA9T0175368. $430 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,589, made up of $430 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $36,560. Lease selling price $36,560. Net capitalized cost $34,156. Residual value $22,667, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $15,480. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": null, "counts": {"offers": 5, "suppressed": 0, "advertisable": 0}, "engine_calls": 24, "elapsed_ms": 357}}, {"vin": "3MVDMBXL1TM137708", "title": "2026 Mazda CX-30 2.5 S Aire Edition", "year": 2026, "make": "Mazda", "model": "CX-30", "trim": "2.5 S Aire Edition", "decoded_trim": null, "condition": "new", "price": 30159.0, "msrp": 32045.0, "sale_price": 30159.0, "currency": "USD", "mileage": 11, "exterior_color": "Jet Black Mica", "interior_color": "White/Gray Leatherette", "drivetrain": "AWD", "body_style": "SUV", "vehicle_type": "car", "fuel_type": "Gasoline Fuel", "doors": 4, 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Mazda Downers Grove", "short_name": "Castle Mazda Downers Grove", "city": "Downers Grove", "state": "IL", "address": "1850 Ogden Ave", "zip": "60515", "phone": "(630) 598-9970", "website": "https://www.castlemazdadownersgrove.com"}, "source_vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbxl1tm137708/2026-mazda-cx-30-suv", "canonical_url": "https://ai.castlemazdadownersgrove.com/vehicle/3MVDMBXL1TM137708.html", "json_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBXL1TM137708.json", "markdown_url": "https://ai.castlemazdadownersgrove.com/v/3MVDMBXL1TM137708.md", "vdp_url": "https://www.castlemazdadownersgrove.com/viewdetails/new/3mvdmbxl1tm137708/2026-mazda-cx-30-suv", "generated_at": "2026-07-26T16:50:04Z", "price_excl_doc_fee": null, "price_includes_doc_fee": null, "doc_fee": null, "price_note": null, "savings": null, "price_check": {"ok": false, "issues": ["price_source_undated", "doc_fee_policy_unknown"], "checks": 4, "rule": "unknown", "stale": true}, "price_stale": true, "price_advertisable": false, "price_stale_reason": "price_source_undated", "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "price_max_age_hours": 48, "price_disclosure": {"kind": "off_msrp", "template_id": "off_msrp.v1", "inline": "Savings measured against MSRP. Tax, title, license and fees extra. See details.", "full": "Advertised: save $1,886. This offer applies to Stock #MD262597, VIN 3MVDMBXL1TM137708. MSRP is the manufacturer's suggested retail price and excludes tax, title, license, registration, options added by the dealership and any dealer fee. The savings figure is the difference between MSRP and the advertised price and is measured against MSRP, not against any other price. Manufacturer's suggested retail price: $32,045. Advertised price: $30,159. Savings: $1,886, measured as the manufacturer's suggested retail price minus the advertised price. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.", "lines": [{"label": "Manufacturer's suggested retail price", "value": "$32,045"}, {"label": "Advertised price", "value": "$30,159"}, {"label": "Savings", "value": "$1,886, measured as the manufacturer's suggested retail price minus the advertised price"}], "advertised": "save $1,886", "expires": null, "required_missing": [], "required_missing_keys": [], "unsubstantiated": [], "substantiated": true, "reason": null, "advertisable": true, "estimate_only": false, "disclosure_version": "1.0.0"}, "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.", "disclosure_version": "1.0.0", "computed_offers": {"generated_at": "2026-07-26T16:50:15Z", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0", "validator_version": "1.1.0", "basis": {"zip": "60515", "state": "IL", "doc_fee": null, "doc_fee_source": "unconfigured", "doc_fee_in_advertised_price": false, "selling_price": 30159.0, "price_reconciled": false, "price_stale": true, "price_age_hours": null, "price_max_age_hours": 48, "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.", "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."}, "offers": [{"offer_id": "of_3MVDMBXL1TM137708_finance_60", "type": "finance_60", "label": "Finance", "headline": {"value": 560, "unit": "per_month", "display": "$560/mo"}, "provenance": "program", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30159.0, "price_incl_doc": 30159.0, "doc_fee": null, "down_payment": 0.0, "term": 60, "apr": 1.9, "tax_rate": 0.0625, "zip": "60515", "program_code": "2026 Mazda CX-30 \u2014 1.9% APR", "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 560.26, "amount_financed": 32043.94, "sales_tax": 1884.94, "total_of_payments": 33615.47, "finance_charge": 1571.53, "per_1000_financed": 17.48, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262597, VIN 3MVDMBXL1TM137708. $560 per month for 60 months at 1.9% APR, $0 cash down. Advertised price $30,159, before any dealer documentation fee. Amount financed $32,044, including $1,885 estimated sales tax at 6.25%. That is $17.48 per $1,000 financed. Total of payments $33,615. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 17, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXL1TM137708_finance_84", "type": "finance_84", "label": "Finance", "headline": {"value": 476, "unit": "per_month", "display": "$476/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"selling_price": 30159.0, "price_incl_doc": 30159.0, "doc_fee": null, "down_payment": 0.0, "term": 84, "apr": 6.49, "tax_rate": 0.0625, "zip": "60515", "program_code": null, "credit_tier": "Excellent"}, "outputs": {"monthly_payment": 475.68, "amount_financed": 32043.94, "sales_tax": 1884.94, "total_of_payments": 39957.06, "finance_charge": 7913.12, "per_1000_financed": 14.84, "due_at_signing": {"downPayment": 0, "title": 60, "registration": 100, "total": 160}}, "disclosure": "Estimated finance payment for stock #MD262597, VIN 3MVDMBXL1TM137708. $476 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $30,159, before any dealer documentation fee. Amount financed $32,044, including $1,885 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $39,957. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 16, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXL1TM137708_lease_zero_down", "type": "lease_zero_down", "label": "Zero-down lease", "headline": {"value": 402, "unit": "per_month", "display": "$402/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32045.0, "selling_price": 30159.0, "cap_cost_reduction": 0.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 401.97, "net_cap_cost": 30754.0, "residual_value": 19867.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 401.97, "downPayment": 0, "upfrontTax": 0, "title": 60, "registration": 100, "total": 561.97}, "total_of_payments": 14472, "total_of_payments_unrounded": 14470.92}, "disclosure": "Estimated lease payment for stock #MD262597, VIN 3MVDMBXL1TM137708. $402 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $562, made up of $402 first payment, $60 title, $100 registration. MSRP $32,045. Lease selling price $30,159. Net capitalized cost $30,754. Residual value $19,868, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $14,472. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}, {"offer_id": "of_3MVDMBXL1TM137708_lease", "type": "lease", "label": "Lease", "headline": {"value": 309, "unit": "per_month", "display": "$309/mo"}, "provenance": "estimated", "advertisable": false, "not_advertisable_because": ["doc_fee_policy_unknown", "price_not_reconciled", "price_source_stale", "provenance_estimated", "validator_flag", "validator_not_advertisable"], "estimate": true, "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.", "inputs": {"msrp": 32045.0, "selling_price": 30159.0, "cap_cost_reduction": 2999.0, "residual_pct": 62.0, "money_factor": 0.0015, "acquisition_fee": 595.0, "term": 36, "annual_miles": 10000.0, "tax_basis": "monthly", "doc_fee": null, "zip": "60515", "program_code": null}, "outputs": {"monthly_payment": 308.68, "net_cap_cost": 27755.0, "residual_value": 19867.9, "apr_equivalent": 3.6, "due_at_signing": {"firstPayment": 308.68, "downPayment": 2999, "upfrontTax": 0, "title": 60, "registration": 100, "total": 3467.68}, "total_of_payments": 11124, "total_of_payments_unrounded": 11112.48}, "disclosure": "Estimated lease payment for stock #MD262597, VIN 3MVDMBXL1TM137708. $309 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,468, made up of $309 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $32,045. Lease selling price $30,159. Net capitalized cost $27,755. Residual value $19,868, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $595. Total of payments $11,124. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60515. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.", "substantiation_complete": true, "unsubstantiated_values": null, "validation": {"outcome": "flag", "severity": "medium", "safe_to_advertise": false, "failed_checks": ["doc_fee_missing"], "checks_run": 22, "validator_version": "1.1.0"}, "expires_at": "2026-07-31", "engine_version": "beacon-offer-engine/1.0", "template_set": "beacon-disclosure/1.0"}], "suppressed": [{"type": "off_msrp", "failed_checks": ["price_source_stale"], "severity": "hard", "public_note": "No savings figure is shown for this vehicle because its price is being reconfirmed. One of our sales representatives can confirm the current price and any savings."}], "counts": {"offers": 4, "suppressed": 1, "advertisable": 0}, "engine_calls": 19, "elapsed_ms": 278}}]}