Most calculators use only the sticker price, so the payment comes out too low. This one starts from the Massachusetts out-the-door total — the vehicle price, our dealer fees ($629), 6.25% sales tax on the vehicle price, $75 title, $60 registration and the $35 inspection sticker — then subtracts your down payment and trade-in.
| Vehicle price | |
| Dealer fees (documentary preparation, runner) | |
| MA sales tax (6.25% of vehicle price) | |
| Title (RMV) + Registration (RMV) + Inspection sticker | |
| Estimated out-the-door (MA resident) | |
| Amount to finance |
Estimate only, based on the estimated total to drive away (above) minus your down payment. Your actual rate and terms depend on credit approval.
We do not advertise a rate because it depends on the lender and on your credit. Enter the rate you were offered, or a few different rates, to see the range. Get pre-qualified to see your real options.
Financing is subject to credit approval. Terms, rate and down payment depend on the lender.
At Waltham Auto Gallery the 6.25% Massachusetts sales tax is calculated on the vehicle price.
In Massachusetts a trade-in can lower the amount you pay sales tax on. This calculator keeps the tax on the full vehicle price, so the estimate stays on the safe side.
Call, text or WhatsApp — English, Português, Español. Monday–Saturday, 10 AM–6 PM.
Questions about a car, financing or a test drive? Leave your number and we text you right back.
