New Toyota Camry for Sale in Louisville, KY

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Factory MSRP: $30,413 2017 Toyota Camry XSE Blizzard Pearl Special Color-Blizzard Pearl, Blind Spot Monitor with Rear Cross-Traffic Alert, Power Tilt/Slide Moonroof, Ash/Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Electronic Stability Control, Front dual zone A/C, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Remote keyless entry, Traction control. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as reported by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Carpet Floor and Trunk Mat. Ash w/Fabric Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Do you want it all, especially fantastic fuel efficiency? Well, with this wonderful-looking 2017 Toyota Camry, you are going to get it.. This Camry is nicely equipped with features such as ABS brakes, Ash w/Fabric Seat Trim, Carpet Floor and Trunk Mat, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. A spacious car that gets great fuel mileage... Why torture yourself driving a small commuter box up and down the highway every day when you can ride in roomy comfort. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Ash/Black w/Fabric Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. How would you like driving away in this stunning 2017 Toyota Camry at a price like this? It is nicely equipped with features such as ABS brakes, Ash/Black w/Fabric Seat Trim, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. This Camry is the SE trim, featuring the Sport-Tuned Suspension and tighter, more responsive steering than the LE family sedan. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $27,549 2017 Toyota Camry XLE Creme Brulee Mica Almond w/Leather Seat Trim, ABS brakes, Electronic Stability Control, Front dual zone A/C, Heated door mirrors, Heated front seats, Illuminated entry, Leather Seat Trim, Low tire pressure warning, Remote keyless entry, Traction control. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. according to Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $27,713 2017 Toyota Camry XLE Celestial Silver Metallic Illuminated Door Sill Enhancements, Black w/Leather Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Leather Seat Trim, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear reading lights, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as reported by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $29,435 2017 Toyota Camry XSE Blue Streak Metallic Blind Spot Monitor with Rear Cross Traffic Alert, Power Tilt/Slide Moonroof, Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Alloy wheels, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. from Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Blind Spot Monitor with Rear Cross-Traffic Alert and Power Tilt/Slide Moonroof. Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Alloy wheels, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Here at Oxmoor Toyota, we try to make the purchase process as easy and hassle free as possible. We encourage you to experience this for yourself when you come to look at this gorgeous 2017 Toyota Camry. Need a fuel-efficient car with rock-solid reliability? This dependable Camry XSE will do the trick in style! It is nicely equipped with features such as ABS brakes, Alloy wheels, Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, Blind Spot Monitor with Rear Cross-Traffic Alert, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power Tilt/Slide Moonroof, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Blind Spot Monitor with Rear Cross-Traffic Alert and Power Tilt/Slide Moonroof. Ash/Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Alloy wheels, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. How would you like cruising home in this superb 2017 Toyota Camry? Need a fuel-efficient car with rock-solid reliability? This dependable Camry XSE will do the trick in style! This car is nicely equipped with features such as ABS brakes, Alloy wheels, Ash/Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, Blind Spot Monitor with Rear Cross-Traffic Alert, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power Tilt/Slide Moonroof, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $30,577 2017 Toyota Camry XSE Ruby Flare Pearl Special Color-Ruby Flare Pearl, Power Tilt/Slide Moonroof, Illuminated Door Sill Enhancements, Blind Spot Monitor with Rear Cross-Traffic Alert, Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Alloy wheels, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. from Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $31,108 2017 Toyota Camry XLE Ruby Flare Pearl Special Color-Ruby Flare Pearl, Blind Spot Monitor with Rear Cross Traffic Alert, Power Tilt/Slide Moonroof, Illuminated Door Sill Enhancements, Black w/Leather Seat Trim. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as stated by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
All Weather Floor Liners/Cargo Tray and Carpet Floor/Trunk Mat Set. Ash w/Leather Seat Trim, ABS brakes, Alloy wheels, Auto-dimming Rear-View mirror, Compass, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Garage door transmitter: HomeLink, Heated door mirrors, Heated front seats, Illuminated entry, Leather Seat Trim, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power moonroof, Rear reading lights, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Do you want it all, especially wonderful gas mileage? Well, with this outstanding 2017 Toyota Camry, you are going to get it.. Don't let the drumming of road noise wear you down. Bask in the quiet comfort of the cabin of this Toyota Camry XLE. This car is nicely equipped with features such as ABS brakes, All Weather Floor Liners/Cargo Tray, Alloy wheels, Ash w/Leather Seat Trim, Auto-dimming Rear-View mirror, Carpet Floor/Trunk Mat Set, Compass, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Garage door transmitter: HomeLink, Heated door mirrors, Heated front seats, Illuminated entry, Leather Seat Trim, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power moonroof, Rear reading lights, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $33,993 2017 Toyota Camry XLE Midnight Black Metallic Blind Spot Monitor with Rear Cross-Traffic Alert, Illuminated Door Sill Enhancements, Ash w/Leather Seat Trim. 30/21 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. from Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $34,492 2017 Toyota Camry XLE Midnight Black Metallic Blind Spot Monitor with Rear Cross-Traffic Alert, Illuminated Door Sill Enhancements, Ash w/Leather Seat Trim, ABS brakes, Compass, Electronic Stability Control, Front dual zone A/C, Heated door mirrors, Heated front seats, Illuminated entry, Leather Seat Trim, Low tire pressure warning, Power moonroof, Remote keyless entry, Traction control. 30/21 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as stated by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Blind Spot Monitor with Rear Cross-Traffic Alert. Ash/Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, ABS brakes, Auto-dimming Rear-View mirror, Compass, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Garage door transmitter: HomeLink, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power moonroof, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. How would you like riding off in this handsome 2017 Toyota Camry? A spacious car that gets great fuel mileage... Why torture yourself driving a small commuter box up and down the highway every day when you can ride in roomy comfort. This Camry is nicely equipped with features such as ABS brakes, Ash/Black w/Sport Leather-Trimmed Ultrasuede Seat Trim, Auto-dimming Rear-View mirror, Blind Spot Monitor with Rear Cross-Traffic Alert, Compass, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front dual zone A/C, Front reading lights, Garage door transmitter: HomeLink, Heated door mirrors, Heated front seats, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Power moonroof, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, and Trip computer. Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,174 2017 Toyota Camry LE Cosmic Gray Mica Ash w/Fabric Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. according to Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,159 2017 Toyota Camry LE Cosmic Gray Mica Ash w/Fabric Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as stated by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,309 2017 Toyota Camry LE Cosmic Gray Mica Ash w/Fabric Seat Trim, ABS brakes, Electronic Stability Control, Heated door mirrors, Illuminated entry, Low tire pressure warning, Remote keyless entry, Traction control. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. according to Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,449 2017 Toyota Camry LE Black ABS brakes, Electronic Stability Control, Heated door mirrors, Illuminated entry, Low tire pressure warning, Remote keyless entry, Traction control. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. as reported by Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,459 2017 Toyota Camry LE Cosmic Gray Mica Ash w/Fabric Seat Trim, ABS brakes, Driver door bin, Driver vanity mirror, Electronic Stability Control, Front reading lights, Heated door mirrors, Illuminated entry, Low tire pressure warning, Outside temperature display, Overhead console, Passenger vanity mirror, Rear seat center armrest, Remote keyless entry, Tachometer, Telescoping steering wheel, Tilt steering wheel, Traction control, Trip computer. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. from Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 
Factory MSRP: $24,559 2017 Toyota Camry LE Super White Ash w/Fabric Seat Trim, ABS brakes, Electronic Stability Control, Heated door mirrors, Illuminated entry, Low tire pressure warning, Remote keyless entry, Traction control. 33/24 Highway/City MPG Awards: * 2017 IIHS Top Safety Pick+As part of the Toyota family, your exceptional ownership experience starts with ToyotaCare, a no cost maintenance plan with 24-hour roadside assistance.The ToyotaCare plan covers normal factory scheduled service for two years or 25,000 miles, whichever comes first. 24-hour roadside assistance is also included for two years, regardless of mileage. Reviews: * Comfortable and spacious interior with above-average rear seat space; easy to see out of; luxury and sport trim levels cater to different driving preferences; user-friendly interior controls; smooth and powerful V6 engine. according to Edmunds Price includes: $2,250 - TMS Customer Cash. Exp. 02/28/2017
 

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† Based on model year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.




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New vehicle pricing includes all offers and incentives. Tax Title, Tags, Dealer, and $748.75 Document Fee not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site errors do occur so please verify information with a customer service rep. This is easily done by calling us at (502) 565-0086 or by visiting us at the dealership.

**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term 4.9% interest and 20% downpayment.