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Thanks for the reply. The 1292 includes sales tax. The way I get to 95K is : 10K down + 1292*36 months (=46537) + 38660 = 95172.
I guess they are financing the deal so you could add interest on top of the invoice price but it still seems very steep to me.
Alternate I am thinking about is to buy with around 30% cash down and rest through a car loan from my bank for about 4% interest rate. But I should be able to pay off the loan early, say in about a year. So buying seems overall cheaper to me.
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